WO2022105153A1

WO2022105153A1 - Risk control decision-making method and apparatus, device, and storage medium

Info

Publication number: WO2022105153A1
Application number: PCT/CN2021/093688
Authority: WO
Inventors: 钱明庆; 张慧敏
Original assignee: 平安普惠企业管理有限公司
Priority date: 2020-11-18
Filing date: 2021-05-13
Publication date: 2022-05-27
Also published as: CN112395342A

Abstract

The present application relates to the technical field of artificial intelligence, and disclosed therein are a risk control decision-making method and apparatus, a device, and a storage medium, the method comprising: a target interface call parameter is a parameter generated according to an interface parameter entry template, and the interface parameter entry template comprising at least one querier parameter entry template; acquiring a process set from a risk control interface configuration library according to a risk control interface identifier to be called, so as to obtain a target process set; obtaining query data of a target data source by calling, by using the target interface call parameter, a querier in the target process set for query; obtaining a target risk control rule set and execution sequence data of the target risk control rule set by acquiring a risk control rule set and the execution sequence data of the risk control rule set from the target process set; perform a risk control rule calculation according to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set, so as to obtain target risk control decision-making data. Thus, a strong dependence on the stability of a data acquisition interface is prevented and repeatedly calling the same data acquisition interface is avoided.

Description

Risk control decision-making method, device, equipment and storage medium

This application claims the priority of the Chinese patent application filed on November 18, 2020 with the application number 2020112950180 and the invention titled "Risk control decision-making method, device, equipment and storage medium", the entire contents of which are incorporated by reference in this application.

technical field

The present application relates to the field of artificial intelligence technology, and in particular, to a risk control decision-making method, device, equipment and storage medium.

Background technique

In the process of risk control decision-making, data from multiple data sources is generally used, for example, the customer's own information and multiple third-party credit data provided in the process of entering the document. The inventor realizes that the prior art risk control decision-making process connects data acquisition and data processing into an inseparable process, making the risk control decision-making process strongly dependent on the stability of the data acquisition interface; the data used by different rules in the risk control decision-making process The overlapping sources lead to repeated calls to the same data acquisition interface, resulting in a waste of resources; in the existing risk control decision-making process, the data acquisition method also combines the return values of many query interfaces into a data set file, or into an XML data report Or directly pass all the required data into the application system as input parameters, so that any change in the data structure of the dependent data source will affect the change of the entire data set, resulting in the corresponding modification of the application system code and high maintenance costs.

technical problem

The purpose is to solve the technical problem that the risk control decision-making process of the prior art strongly relies on the stability of the data acquisition interface, repeated calls to the same data acquisition interface, and any change in the data structure of the dependent data source will affect the change of the entire data set.

technical solutions

The main purpose of this application is to provide a risk control decision-making method, device, equipment and storage medium, aiming to solve the problem that the risk control decision-making process in the prior art strongly relies on the stability of the data acquisition interface, and the repeated calls to the same data acquisition interface, Any change in the data structure that depends on the data source will affect the technical problem of changing the entire data set.

In order to achieve the above purpose of the invention, the present application proposes a risk control decision-making method, the method comprising:

Obtain a wind control interface call request, where the wind control interface call request carries the wind control interface identifier to be called and target interface call parameters, the target interface call parameters are parameters generated according to the interface input parameter template, and the interface input parameter template Include at least one query input parameter template;

Obtain the process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain the target process set;

Using the target interface invocation parameter to call the queryer in the target process set to perform query, and obtain query data of the target data source;

Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set;

According to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set, wind control rules are calculated to obtain target risk control decision data.

The application also proposes a risk control decision-making device, which includes:

The call request acquisition module is used to obtain the wind control interface call request, the wind control interface call request carries the wind control interface identifier to be called and the target interface call parameters, and the target interface call parameters are parameters generated according to the interface input parameter template , the interface input parameter template includes at least one query input parameter template;

A target process set determination module, configured to acquire a process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain a target process set;

A target data source query data determination module, configured to use the target interface calling parameters to call the queryer in the target process set to perform a query, and obtain target data source query data;

A rule set set and a rule set execution sequence determination module, configured to acquire the risk control rule set and the risk control rule set execution sequence data from the target process set, and obtain the target risk control rule set and the target risk control rule set execution sequence data;

The target risk control decision data determination module is used to calculate the risk control rules according to the target data source query data, the target risk control rule set and the execution sequence data of the target risk control rule set to obtain target risk control decision data .

The present application also proposes a computer device, including a memory and a processor, the memory stores a computer program, and the processor implements the following method steps when executing the computer program:

The present application also proposes a computer-readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the following method steps are implemented:

beneficial effect

In the risk control decision-making method, device, device and storage medium of the present application, by using the target interface call parameters to call the queryer in the target process set for query, the query data of the target data source is obtained, and unnecessary associations between various data sources are reduced. When the data source is abnormal, the query and risk control rules that only rely on other data sources can also be executed normally, which greatly improves the availability of the risk control decision-making method; and because the target interface call parameters are generated according to the interface input parameter template, the interface The input parameter template includes at least one query input parameter template. When the data structure of the data source changes, only the corresponding query input parameter template needs to be modified, and the risk control rules and the risk control rule engine do not need to be modified, which effectively reduces the coupling. relationship, reduce the amount of code changes, and reduce maintenance costs; the queryer separates the analysis of data sources and risk control rules, avoiding the strong dependence of the risk control decision-making process on the stability of the data acquisition interface, and avoiding repeated calls to the same data acquisition interface.

Description of drawings

1 is a schematic flowchart of a risk control decision-making method according to an embodiment of the application;

FIG. 2 is a schematic structural block diagram of a risk control decision device according to an embodiment of the application;

FIG. 3 is a schematic structural block diagram of a computer device according to an embodiment of the present application.

The realization, functional features and advantages of the present application will be further described with reference to the accompanying drawings in conjunction with the embodiments.

Embodiments of the present invention

In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application.

In order to solve the technical problem that the risk control decision-making process of the prior art strongly relies on the stability of the data acquisition interface, the repeated calls to the same data acquisition interface, and any changes in the data structure of the dependent data source will affect the changes of the entire data set. The application proposes a risk control decision-making method, which is applied in the field of artificial intelligence technology. The risk control decision method resolves and separates the data source and the risk control rules through the queryer, which avoids the risk control decision-making process being strongly dependent on the stability of the data acquisition interface, and avoids repeated calls to the same data acquisition interface; The template provides parameters for the queryer. When the data structure of the data source changes, only the corresponding queryer input template needs to be modified, and there is no need to modify the risk control rules and the risk control rule engine, which effectively reduces the coupling relationship and reduces code changes. and reduce maintenance costs; and then query data sources through the queryer to reduce unnecessary associations between data sources. When an exception occurs in one data source, the queryer and risk control rules that only rely on other data sources can also be executed normally. Improve the availability of risk control decision-making methods.

Referring to Figure 1, the risk control decision-making method includes:

S1: Obtain a wind control interface call request, where the wind control interface call request carries the wind control interface identifier to be called and target interface call parameters, the target interface call parameters are parameters generated according to the interface input parameter template, and the interface input parameters The parameter template includes at least one query input parameter template;

S2: Acquire a process set from the wind control interface configuration library according to the to-be-called risk control interface identifier to obtain a target process set;

S3: using the target interface calling parameters to call the queryer in the target process set to perform a query, and obtain query data of the target data source;

S4: Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set;

S5: Perform wind control rule calculation according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data, to obtain target risk control decision data.

In this embodiment, by using the target interface calling parameters to call the queryer in the target process set for query, the query data of the target data source is obtained, and unnecessary associations between various data sources are reduced. The queryer and risk control rules can also be executed normally, which greatly improves the availability of risk control decision-making methods; and because the target interface call parameters are generated according to the interface input parameter template, the interface input parameter template includes at least one query input parameter template. When the data structure of the data source changes, only the corresponding query input parameter template needs to be modified, and the risk control rules and the risk control rule engine do not need to be modified, which effectively reduces the coupling relationship, reduces the amount of code changes, and reduces maintenance costs; query The data source and risk control rules are analyzed and separated, which avoids the strong dependence of the risk control decision-making process on the stability of the data acquisition interface, and avoids repeated calls to the same data acquisition interface.

For S1, obtain the call request of the risk control interface sent by the business demander.

The risk control interface call request refers to the request to call the risk control interface to make risk control decisions.

The risk control interface includes: process set, interface input parameter template, and interface output parameter template. The interface input parameter template includes at least one query input parameter template. The interface parameter output template includes at least one query parameter output template.

The process set includes: at least one querier, at least one risk control rule set, and one risk control rule set execution sequence data.

The risk control rule set includes: at least one risk control rule. All risk control rules are stored in the risk control rule configuration library. Each risk control rule in the risk control rule configuration library includes: the ID of the risk control rule, the name of the risk control rule, the calling configuration of the rule data, the calling configuration of the queryer, the input parameter configuration of the input parameters of the risk control rule, the wind control rule The parameter configuration of the output parameter. For example, the name of the risk control rule is: age rule, the ID of the risk control rule is: A1, the calling configuration of the rule data is: 22-50 years old meet the conditions, the calling configuration of the queryer is: customer information queryer Q1, the risk control rule input The input parameter configuration of the parameter is: Q1.age, and the output parameter configuration of the risk control rule output parameter is: decision result, which is not limited in this example. For another example, the name of the risk control rule is: channel rule, the ID of the risk control rule is: B1, the calling configuration of the rule data is: the corresponding rule content of the channel, and the calling configuration of the queryer is: customer information queryer Q1 and channel information queryer Q2 , the input parameter configuration of the risk control rule input parameter is: Q2.channelCode and Q1.applyTime, and the output parameter configuration of the risk control rule output parameter is: decision result and channel label, which are not specifically limited in this example.

It is understandable that the same risk control rules can be configured between different risk control rule sets according to business requirements.

For example, the access risk control module (that is, the risk control interface), the risk control interface identifier: accessRisk, the interface input parameter template includes: application number, customer number, and the caller, and the interface output parameter template includes: decision result, rejection reason, process The process set identifier corresponding to the set is AR, wherein the queryer identifiers corresponding to the process set AR include: Q1, Q2, and Q3, the risk control rule set identifiers corresponding to the process set AR include: GL1, GL2, and the risk control rules corresponding to the process set AR include: GL1 and GL2. The execution order data of the rule set are GL2 and GL1 in sequence, which are not specifically limited in this example.

The input parameter configuration of the risk control rule input parameter is the data configured according to the querier output parameter template.

The execution sequence data of the risk control rule set is the data that records the execution sequence of the risk control rule set.

The ID of the risk control interface to be called, that is, the ID of the risk control interface that the business demander wants to call.

The wind control interface identifier may be an identifier that uniquely identifies a wind control interface, such as the name of the air outlet interface, the wind control interface ID, or the like.

The target interface invocation parameters, that is, the interface invocation parameters used by the business demander to invoke the risk control interface.

Optionally, the API call parameters are configured according to the querier input parameter template. Therefore, when the data structure of the data source changes, only the corresponding query input parameter template needs to be modified, and the risk control rules and the risk control rule engine do not need to be modified, which effectively reduces the coupling relationship, reduces the amount of code changes, and reduces maintenance costs. .

The querier is used to connect to the data source for data query, and output the query data to the caller. The queryer includes: a queryer identifier, a queryer input parameter template, a queryer output parameter template, and data source configuration data. The querier identifier may be an identifier that uniquely identifies a querier, such as a querier name, a querier ID, or the like.

The queryer input parameter template refers to the JSON (JavaScript Object Notation, JS Object Notation) parameter template of the business party calling the queryer.

For example, the query input parameter template is: {"custNo": "${testCustNo}", "requesterId": "test","applyNo":"${testApplyNo}","serviceCode":"accessRisk"}, where ${testCustNo}, ${testApplyNo} are variables, and the rest of the parameters are fixed parameters, which are not specifically limited in this example .

The JSON parameter template is a parameter template in JSON format. JSON is a lightweight data interchange format that can reduce the amount of data and thus improve the efficiency of data transmission.

The queryer output parameter template refers to the JSON parameter template returned by the queryer to the caller. The caller refers to the function module that invokes the queryer to query data. For example: the query output parameter template is {"code": "0000", "message": "Processing successful","data": {"name": "${name}", "age": "${age}", "mobile": "${mobile}" }}, where the variable ${name} is a parameter stored in the queryer and can be used for secondary query, which is not specifically limited in this example.

The data source configuration data refers to the data source of the program implementing the risk control decision method of the present application or the access configuration data of a third-party data source. Access configuration data includes but is not limited to: url (Uniform Resource Locator), HTTP header. HTTP headers, which refer to the Hypertext Transfer Protocol ( Hypertext Transfer Protocol, HTTP) request and response messages, those components of the protocol header part.

For example, the access configuration data of a data source that implements the risk control decision method of the present application is datasouce.url=jdbc:mysql://10.10.10.10:3066/database?useSSL=false datasource.username=test datasource.password=test datasource.type=com.alibaba.druid.pool.DruidDataSource, which is not specifically limited in this example.

Optionally, each data source can be configured by one or more queriers, that is, one or more queriers can query the same data source.

For S2, the wind control interface identifier to be called is matched in the wind control interface configuration library, and the process set corresponding to the process set identifier corresponding to the wind control interface identifier matched in the wind control interface configuration library is used as the target process set.

The target process set, that is, the process set that the wind control interface call request wants to call.

For S3, use the target interface calling parameters to call the queryers in the target process set to query the respective data sources corresponding to the queryers to obtain query data of the target data source, and improve query efficiency through parallel query, thereby improving risk control Efficiency of decision-making. It is understood that multiple queriers can work in parallel and independently of each other.

The parallel query may be the parallel query of all the queryers in the target process set, or the parallel query of some queryers in the target process set. It can be understood that, the querier in the target process set can also be called by using the target interface invocation parameter to perform sequential query, thereby reducing the computing resources occupied by the querier.

For S4, the process set identifier of the target process set is determined according to the target process set; the risk control rule set identifier is obtained according to the process set identifier of the target process set, and the risk control rule set identifier corresponds to the risk control rule set. Put the control rule set into a set, and use the set as the target risk control rule set set; obtain the risk control rule set execution sequence data ID according to the process set ID of the target process set, and the risk control rule set execution sequence data ID The corresponding risk control rule set execution sequence data is used as the target risk control rule set execution sequence data.

For S5, calculate the risk control rules in the target risk control rule set according to the target data source query data and the target risk control rule set execution sequence data, and obtain target risk control decision data according to the calculation result.

For example, the risk control rule of the risk control rule set GL1 is that the upper limit of a single withdrawal is 5,000 yuan, and the risk control rule of the risk control rule set GL2 is that the upper limit of the single-day withdrawal is 20,000 yuan, and the execution order data of the target risk control rule set is risk control. Rule set GL2, risk control rule set GL1, and the preset combination rules for the execution sequence data of the target risk control rule set are all passed. When making a risk control decision for customers to withdraw cash, the query data of the target data source includes: the total amount of withdrawals in a single day 10,000 yuan, and the current withdrawal amount is 8,000 yuan. Therefore, the risk control rule of the risk control rule set GL2 is that the single-day withdrawal limit is 20,000 yuan, and the single-day total withdrawal of the target data source query data is 18,000 yuan to calculate the risk control rules. , the calculation result of the risk control rule of the risk control rule set GL2 is passed (10,000 yuan is less than 20,000 yuan), and then the risk control rule of the risk control rule set GL1 is that the upper limit of a single withdrawal is 5,000 yuan, and the current data of the target data source query data The withdrawal amount applied for is 8,000 yuan, and the calculation result of the risk control rules of the risk control rule set GL1 is failed (8,000 yuan exceeds the limit of 5,000 yuan for a single withdrawal). According to the calculation of the risk control rules of the risk control rule set GL2 The result (that is, pass) and the calculation result (that is, fail) of the risk control rules of the risk control rule set GL1 are calculated whether all pass (the default combination rule is all pass), and the target risk control decision data is not passed, in This example is not specifically limited.

In one embodiment, before the above-mentioned step of obtaining the call request of the risk control interface, it includes:

S11: Obtain the configuration request of the risk control interface;

S12: Obtain a queryer configuration library and a risk control rule configuration library according to the risk control interface configuration request, and obtain the configuration of the to-be-stored risk control interface identifier and process set based on the queryer configuration library and the risk control rule configuration library Result, the configuration result of the interface input parameter template and the configuration result of the interface output parameter template, the configuration result of the process set includes: the calling configuration result of at least one querier, the calling configuration result of at least one risk control rule set, and a risk control The call configuration result of the rule set execution sequence data, the configuration result of the interface input parameter template includes the call configuration result of at least one querier input parameter template, and the configuration result of the interface output parameter template includes the configuration result of at least one querier output parameter template. Calling a configuration result, the configuration result of the risk control rule set includes a calling configuration result of at least one risk control rule;

S13: Determine the risk control interface to be stored according to the identification of the risk control interface to be stored, the configuration result of the process set, the configuration result of the interface input parameter template, and the configuration result of the interface output parameter template;

S14: Store the wind control interface to be stored in the wind control interface configuration library.

This embodiment realizes that the risk control interface is configured before the step of obtaining the call request of the risk control interface, provides a unified interface for the business demander to realize the risk control decision by invoking the risk control interface, and simplifies the calling method of the business demander.

For S11, obtain the risk control interface configuration request input by the user.

A risk control interface configuration request refers to a request to configure a new risk control interface.

For S12, according to the risk control interface configuration request, generate a to-be-stored risk control interface identifier, obtain a queryer configuration library and a risk control rule configuration library, and obtain a user configuration based on the queryer configuration library and the risk control rule configuration library The configuration result of the process set, the configuration result of the interface input parameter template, and the configuration result of the interface output parameter template.

The wind control interface identifier to be stored is the wind control interface identifier of the new wind control interface configured according to the wind control interface configuration request.

The configuration result of the process set refers to the result obtained by configuring the process set. The configuration result of a process set corresponds to a process set. In the configuration result of the process set, the process set identifier corresponds to at least one querier identifier, at least one risk control rule set identifier, and one risk control rule set execution sequence data identifier.

The process set identifier may be an identifier that uniquely identifies a process set, such as a process set name, a process set ID, and the like.

The risk control rule set identifier may be an identifier that uniquely identifies a risk control rule set, such as a risk control rule set name, a risk control rule set ID, or the like.

The risk control rule set execution sequence data identifier may be an identifier uniquely identifying the execution sequence data of a risk control rule set, such as a risk control rule set execution sequence data name, a risk control rule set execution sequence data ID, or the like.

The invocation configuration result of the querier is the configuration result of the process set invoking the querier.

The call configuration result of the risk control rule set is the configuration result of the process set calling the risk control rule set.

The call configuration result of the execution sequence data of the risk control rule set is the configuration result of the process set calling the execution sequence data of the risk control rule set.

The calling configuration result of the query input parameter template is the configuration result of calling the query input parameter template from the interface input parameter template.

The calling configuration result of the querier output template is the configuration result of calling the querier output template from the interface output template.

The call configuration result of the risk control rule is the configuration result of calling the risk control rule from the risk control rule set.

For S13, the to-be-stored risk control interface is identified in the configuration result of the process set, the configuration result of the interface input parameter template and the configuration result of the interface output parameter template are associated to obtain the risk control interface, which will be obtained The risk control interface is used as the risk control interface to be stored.

For S14, compare the to-be-stored risk control interface identifier corresponding to the to-be-stored risk control interface with the configuration result of the process set, the configuration result of the interface input parameter template, and the configuration of the interface output parameter template The result is stored in the risk control interface configuration library.

In one embodiment, before the above-mentioned step of acquiring the configuration request of the risk control interface, the method further includes:

S1111: Obtain a queryer configuration request;

S1112: Acquire, according to the querier configuration request, the querier identifier to be stored, the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored;

S1113: Determine the querier to be stored according to the querier identifier to be stored, the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored ;

S1114: Store the to-be-stored querier in the querier configuration repository.

This embodiment implements the configuration of the querier before the step of obtaining the configuration request of the wind control interface, provides a data basis for configuring the wind control interface, and simplifies the configuration method of the wind control interface.

For S1111, the queryer configuration request input by the user is obtained.

The querier configuration request is a request to configure a new querier.

For S1112, according to the querier configuration request, a querier identifier to be stored is generated, and the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored and input by the user are obtained. The user can import the file of the queryer input parameter template to be stored, the file of the queryer output parameter template to be stored, and the file of the data source configuration data to be stored, or configure the queryer to be stored according to the queryer configuration request. Input parameter template, querier output parameter template to be stored, and data source configuration data to be stored.

The querier identifier to be stored refers to the querier identifier of the new querier generated in response to the querier configuration request.

The querier input parameter template to be stored is the querier input parameter template of the configured new querier.

The querier output template to be stored is the querier output template of the configured new querier.

The data source configuration data to be stored is the data source configuration data of the configured new querier.

For S1113, the querier identifier to be stored is associated with the querier input parameter template to be stored, the querier output parameter template to be stored and the data source configuration data to be stored to obtain a querier, Use the obtained querier as the querier to be stored.

For S1114, the to-be-stored querier identifier corresponding to the to-be-stored querier, the to-be-stored querier input parameter template, the to-be-stored querier output parameter template, and the to-be-stored data Source configuration data is stored in the querier configuration repository.

S1121: Obtain a request for adding a risk control rule;

S1122: According to the risk control rule addition request, obtain the identification of the risk control rule set to be stored and the rule data to be stored;

S1123: Determine the risk control rule to be stored according to the to-be-stored risk control rule set identifier and the to-be-stored rule data;

S1124: Store the to-be-stored risk control rule in the risk control rule configuration library.

This embodiment implements the configuration of the risk control rules before the step of obtaining the configuration request of the risk control interface, provides a data basis for configuring the risk control rule set, and simplifies the configuration method of the risk control rule set.

For S1121, a request for adding a risk control rule input by the user is obtained.

A request to add a risk control rule is a request to configure a new risk control rule.

For S1122, according to the risk control rule addition request, a query identifier to be stored is generated, and rule data to be stored inputted by the user is acquired.

The rule data to be stored is the rule data of the configured new risk control rule.

For S1123, the to-be-stored risk control rule set identifier is associated with the to-be-stored rule data to obtain a risk control rule, and the obtained risk control rule is used as the to-be-stored risk control rule.

For S1124, the to-be-stored risk-control rule set identifier and the to-be-stored rule data corresponding to the to-be-stored risk control rule are stored in the risk control rule configuration library.

In one embodiment, the above-mentioned step of using the target interface invocation parameters to call the queryer in the target process set to perform a query to obtain query data from the target data source includes:

S31: Obtain all queryers from the target process set, and obtain a target queryer set;

S32: using the target interface calling parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;

S33: Perform assignment processing on the query parameter output template corresponding to the same queryer and the query result to obtain query data of the target data source.

In this embodiment, the queryer in the target process set is called to perform data query, and unnecessary associations between data sources are reduced. When an exception occurs in one data source, the queryer and risk control rules that only rely on other data sources can also be executed normally. Greatly improve the availability of risk control decision-making methods.

For S31, acquire all the queriers from the target process set, put the acquired queriers into the set, and obtain the target querier set.

For S32, the target interface invocation parameters are input into the queriers in the target querier set, so as to realize the invocation of the queriers, and each querier returns one query result.

For S33, the query results corresponding to the same querier are assigned according to the querier's output parameter template to obtain the query data of the target data source. That is, the format of the query data of the target data source is the same as that of the query parameter template. For example, use the query result corresponding to the querier Q1 to perform assignment processing on the querier output parameter template corresponding to the querier Q1, {"code": "0000","message": "Processed successfully","data": {"name": "${name}", "age": "${age}","mobile": "${mobile}" }}, assign the query result corresponding to the obtained name to Q1.name, The query result corresponding to age is assigned to Q1.age, and the query result corresponding to mobile is assigned to Q1.mobile, which is not specifically limited in this example.

For another example, the query output parameter template is: {"code": "0000","message": "Processed successfully","data": {"name": "${name}", "age": "${age}", "mobile": "${mobile}" }}, the query parameter template is modified to: {"code": "0000","message": "Processed successfully", "name": "${name}", "age": "${age}", "phone": "${mobile}" }, the structure and name are modified, but because the input parameter configuration of the risk control rule is configured according to the query output parameter template, the query results corresponding to phone and mobile are assigned to Q1.mobile This does not change, so the code and risk control rules do not need to be modified, and there is no specific limitation in this example.

In one embodiment, the above step of calculating the risk control rules according to the target data source query data, the target risk control rule set set and the execution sequence data of the target risk control rule set to obtain target risk control decision data, include:

S51: Calculate each risk control rule according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data, to obtain a plurality of execution results of the risk control rules to be combined;

S52: Combine the execution results of the plurality of risk control rules to be combined to obtain the target risk control decision data.

This embodiment calculates according to each risk control rule, and then combines the calculation results to obtain target risk control decision data, which realizes automatic decision-making, simplifies user operations, and improves user experience.

For S51, use the target data source query data and the target risk control rule set execution sequence data to calculate each risk control rule in the target risk control rule set set, and obtain a plurality of wind control rules to be combined Results of the. That is to say, the specific number of execution results of the plurality of risk control rules to be combined is the same as the number of risk control rules in the target risk control rule set set.

For S52, a preset combination rule is obtained; the execution results of the plurality of wind control rules to be combined are combined according to the preset combination rule to obtain the target risk control decision data.

For example, the preset combination rule is that as long as one of the execution results of the multiple risk control rules to be combined is rejected, the risk control decision data is rejected, and the risk control interface is: accessRisk interface, accessRisk interface The rule set includes 5 risk control rules, and the integration configuration is: rejectTimes: 1. The execution results of the 5 risk control rules to be combined are: 4 accept and 1 reject, then the target risk control decision data is rejected, which is not used in this example. Specific restrictions.

In one embodiment, the above-mentioned calculation of each risk control rule is performed according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data to obtain a plurality of wind control rules to be combined. The steps to control the execution result of the rule include:

S511: According to the execution sequence data of the target risk control rule set, sequentially extract a risk control rule set from the target risk control rule set, and obtain a plurality of to-be-executed risk control rule sets;

S512: Acquire risk control rules from each of the to-be-executed risk control rule sets, respectively, to obtain a plurality of to-be-executed risk control rules;

S513: Acquire data source query data from the target data source query data respectively according to each of the to-be-executed risk control rules, and obtain multiple to-be-executed data source query data;

S514: Perform wind control rule calculation on each of the to-be-executed risk control rules according to the query data of the plurality of to-be-executed data sources, to obtain the execution results of the plurality of to-be-combined risk control rules.

This embodiment automatically realizes the calculation of each risk control rule, provides a data basis for risk decision-making, simplifies user operations, and improves user experience.

For S511, a risk control rule set is sequentially extracted from the target risk control rule set according to the execution sequence data of the target risk control rule set, and the extracted risk control rule set is used as a to-be-executed risk control rule set. By sequentially extracting the execution sequence data according to the target risk control rule set, the extracted risk control rule set conforms to the execution sequence of the target risk control rule set execution sequence data, which is conducive to rapid calculation of the risk control rules.

For S512, according to the extraction sequence of the to-be-executed risk control rule set, the risk control rules are respectively obtained from each of the to-be-executed risk control rule sets, and the obtained risk rules are used as the to-be-executed risk control rules.

For S513, according to the extraction sequence of the to-be-executed risk control rule set and the extraction sequence of the risk control rules, obtain data source query data from the target data source query data according to each of the to-be-executed risk control rules, respectively, and store the obtained data The source query data is used as the data source query data to be executed.

For S514, according to the extraction order of the risk control rules and the acquisition order of the data source query data, and according to the plurality of data source query data to be executed, the risk control rule calculation is performed on each of the to-be-executed risk control rules, and the risk control rule is obtained. The rule execution result, the obtained wind control rule execution result is used as the execution result of the plurality of wind control rules to be combined.

Steps S511 to S514 are repeatedly executed until all the risk control rules of all the risk control rule sets in the target risk control rule set set are executed.

Referring to FIG. 2 , the present application also proposes a risk control decision-making device, which includes:

The calling request obtaining module 100 is used to obtain a wind control interface calling request, where the wind control interface calling request carries the wind control interface identifier to be called and target interface calling parameters, and the target interface calling parameters are generated according to the interface input parameter template parameters, the interface input parameter template includes at least one query input parameter template;

A target process set determination module 200, configured to acquire a process set from a wind control interface configuration library according to the wind control interface identifier to be called, and obtain a target process set;

The target data source query data determination module 300 is configured to use the target interface invocation parameter to call the queryer in the target process set to perform a query, and obtain the target data source query data;

A rule set set and rule set execution sequence determination module 400, configured to acquire the risk control rule set and the risk control rule set execution sequence data from the target process set, and obtain the target risk control rule set and the target risk control rule set execution sequence data;

The target risk control decision data determination module 500 is configured to calculate the risk control rules according to the target data source query data, the target risk control rule set and the execution sequence data of the target risk control rule set, and obtain the target risk control decision data.

Referring to FIG. 3 , an embodiment of the present application further provides a computer device. The computer device may be a server, and its internal structure may be as shown in FIG. 3 . The computer device includes a processor, memory, a network interface, and a database connected by a system bus. Among them, the processor of the computer design is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium, an internal memory. The nonvolatile storage medium stores an operating system, a computer program, and a database. The memory provides an environment for the execution of the operating system and computer programs in the non-volatile storage medium. The database of the computer equipment is used to store data such as risk control decision-making methods. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a risk control decision method is implemented. The risk control decision-making method includes: acquiring a risk control interface call request, where the risk control interface call request carries a risk control interface identifier to be called and a target interface call parameter, and the target interface call parameter is generated according to an interface input parameter template The interface input parameter template includes at least one query input parameter template; obtain the process set from the wind control interface configuration library according to the wind control interface identifier to be called, and obtain the target process set; use the target interface to call The parameters call the queryer in the target process set to query, and obtain the query data of the target data source; obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the target risk control rule set execution sequence data; perform risk control rule calculation according to the target data source query data, the target risk control rule set set and the target risk control rule set execution sequence data to obtain target risk control decision data.

An embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, a risk control decision-making method is implemented, including the steps of: obtaining a request for invoking a risk control interface, the wind The control interface invocation request carries the identification of the risk control interface to be invoked and the target interface invocation parameters, the target interface invocation parameters are parameters generated according to the interface input parameter template, and the interface input parameter template includes at least one query input parameter template; The identification of the wind control interface to be called obtains a process set from the wind control interface configuration library, and a target process set is obtained; the queryer in the target process set is called for query by using the target interface calling parameters, and the query data of the target data source is obtained. ; Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set; Query data according to the target data source, the target risk The set of control rules and the execution sequence data of the target risk control rule set are used to calculate the risk control rules to obtain target risk control decision data.

The above-mentioned risk control decision-making method uses the target interface call parameters to call the queryer in the target process set for query, and obtain the query data of the target data source, thereby reducing unnecessary associations between data sources. When an abnormality occurs in one data source, only Queryers and risk control rules that rely on other data sources can also be executed normally, greatly improving the availability of risk control decision-making methods; and because the target interface call parameters are generated according to the interface input parameter template, the interface input parameter template includes at least one query When the data structure of the data source changes, only the corresponding query input parameter template needs to be modified, and there is no need to modify the risk control rules and the risk control rule engine, which effectively reduces the coupling relationship and reduces the amount of code changes. Reduce maintenance costs; the queryer separates the data source and risk control rule analysis, avoiding the strong dependence of the risk control decision-making process on the stability of the data acquisition interface, and avoiding repeated calls to the same data acquisition interface.

The computer-readable storage medium may be non-volatile or volatile.

Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage In the medium, when the computer program is executed, it may include the processes of the above-mentioned method embodiments. Wherein, any reference to memory, storage, database or other medium provided in this application and used in the embodiments may include non-volatile and/or volatile memory. Nonvolatile memory may include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double-rate SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

It should be noted that, herein, the terms "comprising", "comprising" or any other variation thereof are intended to encompass non-exclusive inclusion, such that a process, device, article or method comprising a series of elements includes not only those elements, It also includes other elements not expressly listed or inherent to such a process, apparatus, article or method. Without further limitation, an element qualified by the phrase "comprising a..." does not preclude the presence of additional identical elements in the process, apparatus, article, or method that includes the element.

The above are only the preferred embodiments of the present application, and are not intended to limit the scope of the patent of the present application. Any equivalent structure or equivalent process transformation made by using the contents of the description and drawings of the present application, or directly or indirectly applied to other related The technical field is similarly included in the scope of patent protection of this application.

Claims

A risk control decision-making method, wherein the method comprises:

Obtain a wind control interface call request, where the wind control interface call request carries the wind control interface identifier to be called and target interface call parameters, the target interface call parameters are parameters generated according to the interface input parameter template, and the interface input parameter template Include at least one query input parameter template;

Obtain the process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain the target process set;

Using the target interface invocation parameter to call the queryer in the target process set to perform query, and obtain query data of the target data source;

Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set;

According to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set, wind control rules are calculated to obtain target risk control decision data.
The risk control decision-making method according to claim 1, wherein before the step of acquiring the risk control interface call request, the method comprises:

Get the risk control interface configuration request;

According to the wind control interface configuration request, a queryer configuration library and a risk control rule configuration library are obtained, and based on the queryer configuration library and the risk control rule configuration library, the to-be-stored wind control interface identifier, the configuration result of the process set, The configuration result of the interface input parameter template and the configuration result of the interface output parameter template, the configuration results of the process set include: at least one query configuration result, invocation configuration result of at least one risk control rule set, and one risk control rule set The calling configuration result of the execution sequence data, the configuration result of the interface input parameter template includes the calling configuration result of at least one querier input parameter template, and the configuration result of the interface output parameter template includes the calling configuration of at least one querier output parameter template As a result, the configuration result of the risk control rule set includes the calling configuration result of at least one risk control rule;

Determine the risk control interface to be stored according to the identification of the risk control interface to be stored, the configuration result of the process set, the configuration result of the interface input parameter template, and the configuration result of the interface output parameter template;

The to-be-stored wind control interface is stored in the wind control interface configuration library.
The risk control decision-making method according to claim 2, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get querier configuration request;

According to the queryer configuration request, obtain the queryer identifier to be stored, the queryer input parameter template to be stored, the queryer output parameter template to be stored, and the data source configuration data to be stored;

Determine the querier to be stored according to the querier identifier to be stored, the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored;

The to-be-stored querier is stored in the querier configuration repository.
The risk control decision-making method according to claim 2, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get the request for adding risk control rules;

According to the risk control rule adding request, obtain the identification of the risk control rule set to be stored and the rule data to be stored;

Determine the risk control rule to be stored according to the to-be-stored risk control rule set identifier and the to-be-stored rule data;

The to-be-stored risk control rules are stored in the risk control rule configuration library.
The risk control decision-making method according to claim 1, wherein the step of using the target interface invocation parameters to call a queryer in the target process set to perform a query to obtain query data from a target data source comprises:

Obtain all the queriers from the target process set to obtain the target querier set;

Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;

Perform assignment processing on the query parameter output template corresponding to the same queryer and the query result to obtain the query data of the target data source.
The risk control decision-making method according to claim 1, wherein the calculation of the risk control rules is performed according to the query data of the target data source, the target risk control rule set set and the execution sequence data of the target risk control rule set, The steps to obtain target risk control decision data include:

Calculate each risk control rule according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data, and obtain a plurality of execution results of the risk control rules to be combined;

The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.
The risk control decision-making method according to claim 6, wherein the query data for each risk control rule is performed according to the target data source query data, the target risk control rule set set and the target risk control rule set execution sequence data. The steps of calculating and obtaining the execution results of multiple risk control rules to be combined include:

According to the execution sequence data of the target risk control rule set, a risk control rule set is sequentially extracted from the target risk control rule set set, and a plurality of to-be-executed risk control rule sets are obtained;

Obtaining the risk control rules from each of the to-be-executed risk control rules sets, respectively, to obtain a plurality of to-be-executed risk control rules;

Obtaining data source query data from the target data source query data according to each of the to-be-executed risk control rules, respectively, to obtain a plurality of to-be-executed data source query data;

According to the query data of the plurality of data sources to be executed, a risk control rule calculation is performed on each of the to-be-executed risk control rules, and the execution results of the plurality of to-be-combined risk control rules are obtained.
A risk control decision-making device, wherein the device includes:

The call request acquisition module is used to obtain the wind control interface call request, the wind control interface call request carries the wind control interface identifier to be called and the target interface call parameters, and the target interface call parameters are parameters generated according to the interface input parameter template , the interface input parameter template includes at least one query input parameter template;

A target process set determination module, configured to acquire a process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain a target process set;

A target data source query data determination module, configured to use the target interface calling parameters to call the queryer in the target process set to perform a query, and obtain target data source query data;

A rule set set and a rule set execution sequence determination module, configured to acquire the risk control rule set and the risk control rule set execution sequence data from the target process set, and obtain the target risk control rule set and the target risk control rule set execution sequence data;

The target risk control decision data determination module is used to calculate the risk control rules according to the target data source query data, the target risk control rule set and the execution sequence data of the target risk control rule set to obtain target risk control decision data .
A computer device includes a memory and a processor, wherein the memory stores a computer program, wherein the processor implements the following method steps when executing the computer program:

Obtain a wind control interface call request, where the wind control interface call request carries the wind control interface identifier to be called and target interface call parameters, the target interface call parameters are parameters generated according to the interface input parameter template, and the interface input parameter template Include at least one query input parameter template;

Obtain the process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain the target process set;

Using the target interface invocation parameter to call the queryer in the target process set to perform query, and obtain query data of the target data source;

Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set;

According to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set, wind control rules are calculated to obtain target risk control decision data.
The computer device according to claim 9, wherein before the step of acquiring the wind control interface calling request, the step comprises:

Get the risk control interface configuration request;

According to the wind control interface configuration request, a queryer configuration library and a risk control rule configuration library are obtained, and based on the queryer configuration library and the risk control rule configuration library, the to-be-stored wind control interface identifier, the configuration result of the process set, The configuration result of the interface input parameter template and the configuration result of the interface output parameter template, the configuration results of the process set include: at least one query configuration result, invocation configuration result of at least one risk control rule set, and one risk control rule set The calling configuration result of the execution sequence data, the configuration result of the interface input parameter template includes the calling configuration result of at least one querier input parameter template, and the configuration result of the interface output parameter template includes the calling configuration of at least one querier output parameter template As a result, the configuration result of the risk control rule set includes the calling configuration result of at least one risk control rule;

Determine the risk control interface to be stored according to the identification of the risk control interface to be stored, the configuration result of the process set, the configuration result of the interface input parameter template, and the configuration result of the interface output parameter template;

The to-be-stored wind control interface is stored in the wind control interface configuration library.
The computer device according to claim 10, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get querier configuration request;

According to the queryer configuration request, obtain the queryer identifier to be stored, the queryer input parameter template to be stored, the queryer output parameter template to be stored, and the data source configuration data to be stored;

Determine the querier to be stored according to the querier identifier to be stored, the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored;

The to-be-stored querier is stored in the querier configuration repository.
The computer device according to claim 10, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get the request for adding risk control rules;

According to the risk control rule adding request, obtain the identification of the risk control rule set to be stored and the rule data to be stored;

Determine the risk control rule to be stored according to the to-be-stored risk control rule set identifier and the to-be-stored rule data;

The to-be-stored risk control rules are stored in the risk control rule configuration library.
The computer device according to claim 9, wherein the step of using the target interface invocation parameters to call a queryer in the target process set to perform a query to obtain query data from a target data source comprises:

Obtain all queriers from the target process set to obtain a target querier set;

Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;

The queryer parameter output template corresponding to the same queryer and the query result are assigned to obtain the query data of the target data source.
The computer device according to claim 9, wherein the calculation of the risk control rules is performed according to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set to obtain the target The steps of risk control decision data include:

Calculate each risk control rule according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data, and obtain a plurality of execution results of the risk control rules to be combined;

The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.
A computer-readable storage medium on which a computer program is stored, wherein when the computer program is executed by a processor, the following method steps are implemented:

Obtain a wind control interface call request, where the wind control interface call request carries the wind control interface identifier to be called and target interface call parameters, the target interface call parameters are parameters generated according to the interface input parameter template, and the interface input parameter template Include at least one query input template;

Obtain the process set from the wind control interface configuration library according to the wind control interface identifier to be called to obtain the target process set;

Using the target interface invocation parameter to call the queryer in the target process set to perform query, and obtain query data of the target data source;

Obtain the risk control rule set and the execution sequence data of the risk control rule set from the target process set, and obtain the target risk control rule set and the execution sequence data of the target risk control rule set;

According to the query data of the target data source, the target risk control rule set and the execution sequence data of the target risk control rule set, wind control rules are calculated to obtain target risk control decision data.
The computer-readable storage medium according to claim 15, wherein before the step of acquiring the risk control interface invocation request, the method comprises:

Get the risk control interface configuration request;

According to the wind control interface configuration request, a queryer configuration library and a risk control rule configuration library are obtained, and based on the queryer configuration library and the risk control rule configuration library, the to-be-stored wind control interface identifier, the configuration result of the process set, The configuration result of the interface input parameter template and the configuration result of the interface output parameter template, the configuration result of the process set includes: at least one querier call configuration result, at least one risk control rule set call configuration result and one risk control rule set The calling configuration result of the execution sequence data, the configuration result of the interface input parameter template includes the calling configuration result of at least one querier input parameter template, and the configuration result of the interface output parameter template includes the calling configuration of at least one querier output parameter template As a result, the configuration result of the risk control rule set includes the calling configuration result of at least one risk control rule;

Determine the risk control interface to be stored according to the identification of the risk control interface to be stored, the configuration result of the process set, the configuration result of the interface input parameter template, and the configuration result of the interface output parameter template;

The to-be-stored wind control interface is stored in the wind control interface configuration library.
The computer-readable storage medium according to claim 16, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get querier configuration request;

According to the queryer configuration request, obtain the queryer identifier to be stored, the queryer input parameter template to be stored, the queryer output parameter template to be stored, and the data source configuration data to be stored;

Determine the querier to be stored according to the querier identifier to be stored, the querier input parameter template to be stored, the querier output parameter template to be stored, and the data source configuration data to be stored;

The to-be-stored querier is stored in the querier configuration repository.
The computer-readable storage medium according to claim 16, wherein before the step of acquiring the configuration request of the risk control interface, the method further comprises:

Get the request for adding risk control rules;

According to the risk control rule adding request, obtain the identification of the risk control rule set to be stored and the rule data to be stored;

Determine the risk control rule to be stored according to the to-be-stored risk control rule set identifier and the to-be-stored rule data;

The to-be-stored risk control rules are stored in the risk control rule configuration library.
The computer-readable storage medium according to claim 15, wherein the step of using the target interface invocation parameters to call a queryer in the target process set to perform a query to obtain query data from a target data source comprises:

Obtain all queriers from the target process set to obtain a target querier set;

Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;

The queryer parameter output template corresponding to the same queryer and the query result are assigned to obtain the query data of the target data source.
The computer-readable storage medium according to claim 15, wherein the calculation of the risk control rule is performed according to the query data of the target data source, the target risk control rule set set and the execution sequence data of the target risk control rule set , the steps to obtain the target risk control decision data, including:

Calculate each risk control rule according to the target data source query data, the target risk control rule set set, and the target risk control rule set execution sequence data, and obtain a plurality of execution results of the risk control rules to be combined;

The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.