WO2022105153A1 - Risk control decision-making method and apparatus, device, and storage medium - Google Patents
Risk control decision-making method and apparatus, device, and storage medium Download PDFInfo
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- WO2022105153A1 WO2022105153A1 PCT/CN2021/093688 CN2021093688W WO2022105153A1 WO 2022105153 A1 WO2022105153 A1 WO 2022105153A1 CN 2021093688 W CN2021093688 W CN 2021093688W WO 2022105153 A1 WO2022105153 A1 WO 2022105153A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/25—Integrating or interfacing systems involving database management systems
- G06F16/252—Integrating or interfacing systems involving database management systems between a Database Management System and a front-end application
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/242—Query formulation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
- G06F16/2455—Query execution
- G06F16/24564—Applying rules; Deductive queries
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
Definitions
- 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.
- 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.
- 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.
- 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.
- the present application proposes a risk control decision-making method, the method comprising:
- 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
- the interface input parameter template Include at least one query input parameter template
- 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 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
- the interface input parameter template Include at least one query input parameter template
- wind control rules are calculated to obtain target risk control decision data.
- 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:
- 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
- the interface input parameter template Include at least one query input parameter template
- wind control rules are calculated to obtain target risk control decision data.
- the queryer 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.
- 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.
- FIG. 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 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.
- 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;
- 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.
- 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.
- 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.
- 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
- the output parameter configuration of the risk control rule output parameter is: decision result, which is not limited in this 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
- 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
- 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.
- risk control rules can be configured between different risk control rule sets according to business requirements.
- 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.
- 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.
- 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 .
- 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.
- 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.
- each data source can be configured by one or more queriers, that is, one or more queriers can query the same data source.
- 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.
- 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.
- 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.
- the corresponding risk control rule set execution sequence data is used as the target risk control rule set execution sequence data.
- the risk control rule of the risk control rule set GL1 is that the upper limit of a single withdrawal is 5,000 yuan
- 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
- 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.
- 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.
- 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).
- 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.
- the above-mentioned step of obtaining the call request of the risk control interface it includes:
- 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;
- 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.
- a risk control interface configuration request refers to a request to configure a new risk control interface.
- 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.
- 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.
- 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.
- the method before the above-mentioned step of acquiring the configuration request of the risk control interface, the method further includes:
- 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.
- the queryer configuration request input by the user is obtained.
- the querier configuration request is a request to configure a new querier.
- 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.
- 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.
- 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.
- 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.
- the method before the above-mentioned step of acquiring the configuration request of the risk control interface, the method further includes:
- 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.
- a request to add a risk control rule is a request to configure a new risk control rule.
- 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.
- 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.
- 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.
- 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:
- the queryer in the target process set is called to perform data query, and unnecessary associations between data sources are reduced.
- 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.
- 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.
- 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.
- 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 assign the query result corresponding to age is assigned to Q1.age
- the query result corresponding to mobile is assigned to Q1.mobile, which is not specifically limited in this 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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 risk
- 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.
- An embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored.
- 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.
- 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.
- the interface input parameter template includes at least one query
- 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.
- 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.
- 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.
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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
本申请要求于2020年11月18日提交中国专利局、申请号为2020112950180,发明名称为“风控决策方法、装置、设备及存储介质”的中国专利申请的优先权,其全部内容通过引用结合在本申请中。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.
本申请涉及到人工智能技术领域,特别是涉及到一种风控决策方法、装置、设备及存储介质。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.
风控决策过程中一般会用到多个数据源的数据,比如,客户进件过程中提供的自身信息和多个第三方征信数据等。发明人意识到现有技术的风控决策过程将数据获取和数据处理串联成一个不可分割的流程,使风控决策过程强依赖数据获取接口的稳定性;风控决策过程中不同规则使用的数据源重叠,导致对同一数据获取接口的重复调用,造成资源的浪费;现有风控决策过程中数据采集方法还会将众多查询接口返回值组合成一份数据集合文件,或组合成一份XML数据报文,或者直接将所有需要数据做为入参传入应用系统中,使得任一依赖数据源数据结构的变动都会影响到整个数据集合的变动,导致应用系统代码的相应修改,维护成本高。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.
旨在解决现有技术的风控决策过程强依赖数据获取接口的稳定性,对同一数据获取接口的重复调用,任一依赖数据源数据结构的变动都会影响到整个数据集合的变动的技术问题。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.
本申请的主要目的为提供一种风控决策方法、装置、设备及存储介质,旨在解决现有技术的风控决策过程强依赖数据获取接口的稳定性,对同一数据获取接口的重复调用,任一依赖数据源数据结构的变动都会影响到整个数据集合的变动的技术问题。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.
为了实现上述发明目的,本申请提出一种风控决策方法,所述方法包括:In order to achieve the above purpose of the invention, the present application proposes a risk control decision-making method, the method comprising:
获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;
根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;
采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;
从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;
根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本申请还提出了一种风控决策装置,所述装置包括:The application also proposes a risk control decision-making device, which includes:
调用请求获取模块,用于获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;
目标流程集确定模块,用于根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;
目标数据源查询数据确定模块,用于采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;
规则集集合和规则集执行顺序确定模块,用于从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;
目标风控决策数据确定模块,用于根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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 .
本申请还提出了一种计算机设备,包括存储器和处理器,所述存储器存储有计算机程序,所述处理器执行所述计算机程序时实现如下方法步骤: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:
获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;
根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;
采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;
从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;
根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本申请还提出了一种计算机可读存储介质,其上存储有计算机程序,所述计算机程序被处理器执行时实现如下方法步骤: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:
获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;
根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;
采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;
从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;
根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本申请的风控决策方法、装置、设备及存储介质,通过采用目标接口调用参数调用目标流程集中的查询器进行查询,得到目标数据源查询数据,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率;又因为目标接口调用参数是根据接口入参模板生成的参数,接口入参模板包括至少一个查询器入参模板,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用。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.
图1为本申请一实施例的风控决策方法的流程示意图;1 is a schematic flowchart of a risk control decision-making method according to an embodiment of the application;
图2 为本申请一实施例的风控决策装置的结构示意框图;FIG. 2 is a schematic structural block diagram of a risk control decision device according to an embodiment of the application;
图3 为本申请一实施例的计算机设备的结构示意框图。FIG. 3 is a schematic structural block diagram of a computer device according to an embodiment of the present application.
本申请目的实现、功能特点及优点将结合实施例,参照附图做进一步说明。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.
为了使本申请的目的、技术方案及优点更加清楚明白,以下结合附图及实施例,对本申请进行进一步详细说明。应当理解,此处描述的具体实施例仅仅用以解释本申请,并不用于限定本申请。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.
为了解决现有技术的风控决策过程强依赖数据获取接口的稳定性,对同一数据获取接口的重复调用,任一依赖数据源数据结构的变动都会影响到整个数据集合的变动的技术问题,本申请提出了一种风控决策方法,所述方法应用于人工智能技术领域。所述风控决策方法通过查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用;通过采用查询器入参模板为查询器提供参数,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;然后通过查询器查询数据源,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率。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.
参照图1,所述风控决策方法包括:Referring to Figure 1, the risk control decision-making method includes:
S1:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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:根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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:采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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:从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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:根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本实施例通过采用目标接口调用参数调用目标流程集中的查询器进行查询,得到目标数据源查询数据,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率;又因为目标接口调用参数是根据接口入参模板生成的参数,接口入参模板包括至少一个查询器入参模板,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用。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.
对于S1,获取业务需求方发送的风控接口调用请求。For S1, obtain the call request of the risk control interface sent by the business demander.
风控接口调用请求,是指调用风控接口进行风控决策的请求。The risk control interface call request refers to the request to call the risk control interface to make risk control decisions.
风控接口包括:流程集、接口入参模板、接口出参模板。接口入参模板包括至少一个查询器入参模板。接口出参模板包括至少一个查询器出参模板。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.
流程集包括:至少一个查询器、至少一个风控规则集、一个风控规则集执行顺序数据。The process set includes: at least one querier, at least one risk control rule set, and one risk control rule set execution sequence data.
风控规则集包括:至少一条风控规则。所有风控规则存储在所述风控规则配置库中。所述风控规则配置库中每条风控规则包括:风控规则ID、风控规则名称、规则数据的调用配置、查询器的调用配置、风控规则入参的入参配置、风控规则出参的出参配置。比如,风控规则名称为:年龄规则,风控规则ID为:A1,规则数据的调用配置为:22-50岁符合条件,查询器的调用配置为:客户信息查询器Q1,风控规则入参的入参配置为:Q1.age,风控规则出参的出参配置为:决策结果,在此举例不做具体限定。又比如,风控规则名称为:渠道规则,风控规则ID为:B1,规则数据的调用配置为:渠道相应规则内容,查询器的调用配置为:客户信息查询器Q1和渠道信息查询器Q2,风控规则入参的入参配置为:Q2.channelCode和Q1.applyTime,风控规则出参的出参配置为:决策结果和渠道标签,在此举例不做具体限定。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.
可以理解的是,不同风控规则集之间可以根据业务需求配置相同的风控规则。It is understandable that the same risk control rules can be configured between different risk control rule sets according to business requirements.
比如,准入风控模块(也就是风控接口),风控接口标识:accessRisk,接口入参模板包括:申请号、客户号、调用方,接口出参模板包括:决策结果、拒绝原因,流程集对应的流程集标识为AR,其中,流程集AR对应的查询器标识包括:Q1、Q2、Q3,流程集AR对应的风控规则集标识包括:GL1、GL2,流程集AR对应的风控规则集执行顺序数据依次为GL2、GL1,在此举例不做具体限定。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.
风控规则入参的入参配置,是根据查询器出参模板进行配置的数据。The input parameter configuration of the risk control rule input parameter is the data configured according to the querier output parameter template.
风控规则集执行顺序数据,是记录风控规则集的执行顺序的数据。The execution sequence data of the risk control rule set is the data that records the execution sequence of the risk control rule set.
待调用的风控接口标识,也就是业务需求方想要调用的风控接口的风控接口标识。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.
风控接口标识可以是风口接口名称、风控接口ID等唯一标识一个风控接口的标识。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.
目标接口调用参数,也就是业务需求方用于调用风控接口的接口调用参数。The target interface invocation parameters, that is, the interface invocation parameters used by the business demander to invoke the risk control interface.
可选的,接口调用参数是根据查询器入参模板进行配置的。从而实现当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本。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. .
查询器,用于对接数据源进行数据查询,并输出查询数据给调用方。查询器包括:查询器标识、查询器入参模板、查询器出参模板、数据源配置数据。查询器标识可以是查询器名称、查询器ID等唯一标识一个查询器的标识。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.
查询器入参模板,是指业务方调用查询器的JSON(JavaScript Object Notation, JS 对象简谱) 参数模板。The queryer input parameter template refers to the JSON (JavaScript Object Notation, JS Object Notation) parameter template of the business party calling the queryer.
比如:查询器入参模板为:{"custNo": "${testCustNo}", "requesterId":
"test","applyNo":"${testApplyNo}","serviceCode":"accessRisk"},其中${testCustNo}、${testApplyNo}是变量,其余参数是固定参数,在此举例不做具体限定。For example, the query input parameter template is: {"custNo": "${testCustNo}", "requesterId":
"test","applyNo":"${testApplyNo}","serviceCode":"accessRisk"}, where ${testCustNo}, ${testApplyNo} are variables, and the rest of the parameters are fixed parameters, which are not specifically limited in this example .
JSON参数模板,是采用JSON格式的参数模板。JSON是一种轻量级的数据交换格式,可以减少数据量,从而提高数据传输效率。The JSON parameter template is a parameter template in JSON format. JSON is a lightweight data interchange format that can reduce the amount of data and thus improve the efficiency of data transmission.
查询器出参模板,是指查询器返回给调用方的JSON参数模板。调用方,是指调用查询器查询数据的功能模块。比如:查询器出参模板为{"code": "0000","message":
"处理成功","data": {"name":
"${name}", "age": "${age}",
"mobile": "${mobile}" }},其中${name}这种变量是存储在查询器中的可以用来二次查询的参数,在此举例不做具体限定。The queryer output parameter template refers to the JSON parameter template returned by the queryer to the caller. The caller refers to the function module that invokes the queryer to query data. For example: the query output parameter template is {"code": "0000", "message":
"Processing successful","data": {"name":
"${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.
数据源配置数据,是指实现本申请的风控决策方法的程序自有的数据源或者第三方数据源的访问配置数据。访问配置数据包括但不限于:url(统一资源定位器)、HTTP消息头。HTTP消息头,是指在超文本传输协议(
Hypertext Transfer Protocol,HTTP)的请求和响应消息中,协议头部分的那些组件。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.
比如,一个实现本申请的风控决策方法自有的数据源的访问配置数据为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,在此举例不做具体限定。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.
可选的,每个数据源可以被一个或多个查询器配置,也就是说,一个或多个查询器可以对同一数据源进行查询。Optionally, each data source can be configured by one or more queriers, that is, one or more queriers can query the same data source.
对于S2,将所述待调用的风控接口标识在风控接口配置库中进行匹配,将在风控接口配置库中匹配到的风控接口标识对应的流程集标识对应的流程集作为目标流程集。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.
目标流程集,也就是风控接口调用请求想要调用的流程集。The target process set, that is, the process set that the wind control interface call request wants to call.
对于S3,采用所述目标接口调用参数调用所述目标流程集中的查询器对查询器各自对应的数据源进行查询,得到目标数据源查询数据,通过并行查询提高了查询效率,从而提高了风控决策的效率。可以理解的是,多个查询器之间可以并行工作和彼此独立工作。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.
并行查询可以是所述目标流程集中的全部查询器并行查询,也可以是所述目标流程集中的部分查询器并行查询。可以理解的是,还可以采用所述目标接口调用参数调用所述目标流程集中的查询器进行顺序查询,从而减少查询器占用的计算资源。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.
对于S4,根据所述所述目标流程集确定所述目标流程集的流程集标识;根据所述目标流程集的流程集标识获取风控规则集标识,将该风控规则集标识对应的的风控规则集放到一个集合中,将该集合作为目标风控规则集集合;根据所述目标流程集的流程集标识获取风控规则集执行顺序数据标识,将该风控规则集执行顺序数据标识对应的风控规则集执行顺序数据作为目标风控规则集执行顺序数据。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.
对于S5,根据所述目标数据源查询数据、所述目标风控规则集执行顺序数据对所述目标风控规则集集合中的风控规则进行计算,根据计算结果得到目标风控决策数据。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.
比如,风控规则集GL1的风控规则是单笔提现上限是5000元,风控规则集GL2的风控规则是单日提现上限是20000元,目标风控规则集执行顺序数据依次为风控规则集GL2、风控规则集GL1,目标风控规则集执行顺序数据的预设组合规则为全部通过,当对客户提取现金的风控决策时,目标数据源查询数据包括:单日已提现总额10000元、当前申请提现金额是8000元,因此先将风控规则集GL2的风控规则是单日提现上限是20000元、目标数据源查询数据的单日已提现总额18000元进行风控规则计算,风控规则集GL2的风控规则的计算结果为通过(10000元小于20000元),然后将风控规则集GL1的风控规则是单笔提现上限是5000元、目标数据源查询数据的当前申请提现金额是8000元,风控规则集GL1的风控规则的计算结果为不通过(8000元超过了单笔提现上限是5000元的限制),根据风控规则集GL2的风控规则的计算结果(也就是通过)和风控规则集GL1的风控规则的计算结果(也就是不通过)进行是否全部通过(预设组合规则为全部通过)计算,得到目标风控决策数据为不通过,在此举例不做具体限定。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.
在一个实施例中,上述获取风控接口调用请求的步骤之前,包括:In one embodiment, before the above-mentioned step of obtaining the call request of the risk control interface, it includes:
S11:获取风控接口配置请求;S11: Obtain the configuration request of the risk control interface;
S12:根据所述风控接口配置请求,获取查询器配置库和风控规则配置库,基于所述查询器配置库和所述风控规则配置库获取待存储的风控接口标识、流程集的配置结果、接口入参模板的配置结果和接口出参模板的配置结果,所述流程集的配置结果包括:至少一个查询器的调用配置结果、至少一个风控规则集的调用配置结果和一个风控规则集执行顺序数据的调用配置结果,所述接口入参模板的配置结果包括至少一个查询器入参模板的调用配置结果,所述接口出参模板的配置结果包括至少一个查询器出参模板的调用配置结果,所述风控规则集的配置结果包括至少一个风控规则的调用配置结果;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:根据所述待存储的风控接口标识、所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果,确定待存储的风控接口;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:将所述待存储的风控接口存储到所述风控接口配置库中。S14: Store the wind control interface to be stored in the wind control interface configuration library.
本实施例实现了获取风控接口调用请求的步骤之前配置风控接口,为业务需求方通过调用风控接口实现风控决策提供了统一接口,简化了业务需求方的调用方法。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.
对于S11,获取用户输入的风控接口配置请求。For S11, obtain the risk control interface configuration request input by the user.
风控接口配置请求,是指配置新的风控接口的请求。A risk control interface configuration request refers to a request to configure a new risk control interface.
对于S12,根据所述风控接口配置请求,生成待存储的风控接口标识,获取查询器配置库和风控规则配置库,基于所述查询器配置库和所述风控规则配置库获取用户配置的流程集的配置结果、接口入参模板的配置结果和接口出参模板的配置结果。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.
待存储的风控接口标识,是根据所述风控接口配置请求配置的新的风控接口的风控接口标识。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.
流程集的配置结果,是指对流程集进行配置得到的结果。流程集的配置结果对应一个流程集。在流程集的配置结果中,流程集标识对应至少一个查询器标识、至少一个风控规则集标识、一个风控规则集执行顺序数据标识。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.
流程集标识可以是流程集名称、流程集ID等唯一标识一个流程集的标识。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.
风控规则集标识可以是风控规则集名称、风控规则集ID等唯一标识一个风控规则集的标识。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.
风控规则集执行顺序数据标识可以是风控规则集执行顺序数据名称、风控规则集执行顺序数据ID等唯一标识一个风控规则集执行顺序数据的标识。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.
查询器的调用配置结果,是流程集调用查询器的配置结果。The invocation configuration result of the querier is the configuration result of the process set invoking the querier.
风控规则集的调用配置结果,是流程集调用风控规则集的配置结果。The call configuration result of the risk control rule set is the configuration result of the process set calling the risk control rule set.
风控规则集执行顺序数据的调用配置结果,是流程集调用风控规则集执行顺序数据的配置结果。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.
查询器入参模板的调用配置结果,是接口入参模板调用查询器入参模板的配置结果。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.
查询器出参模板的调用配置结果,是接口出参模板调用查询器出参模板的配置结果。The calling configuration result of the querier output template is the configuration result of calling the querier output template from the interface output template.
风控规则的调用配置结果,是风控规则集调用风控规则的配置结果。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.
对于S13,将所述待存储的风控接口标识于所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果关联,得到风控接口,将得到的风控接口作为待存储的风控接口。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.
对于S14,将所述待存储的风控接口对应的所述待存储的风控接口标识与所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果存储到所述风控接口配置库中。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.
在一个实施例中,上述获取风控接口配置请求的步骤之前,还包括:In one embodiment, before the above-mentioned step of acquiring the configuration request of the risk control interface, the method further includes:
S1111:获取查询器配置请求;S1111: Obtain a queryer configuration request;
S1112:根据所述查询器配置请求,获取待存储的查询器标识、待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据;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:根据所述待存储的查询器标识、所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据,确定待存储的查询器;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:将所述待存储的查询器存储到所述查询器配置库中。S1114: Store the to-be-stored querier in the querier configuration repository.
本实施例实现了获取风控接口配置请求的步骤之前对查询器进行配置,为配置风控接口提供了数据基础,简化了风控接口的配置方法。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.
对于S1111,获取用户输入的查询器配置请求。For S1111, the queryer configuration request input by the user is obtained.
查询器配置请求,是配置新的查询器的请求。The querier configuration request is a request to configure a new querier.
对于S1112,根据所述查询器配置请求,生成待存储的查询器标识,获取用户输入的待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据。用户可以导入待存储的查询器入参模板的文件、待存储的查询器出参模板的文件和待存储的数据源配置数据的文件,也可以根据所述查询器配置请求配置待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据。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.
待存储的查询器标识,是指响应查询器配置请求生成的新的查询器的查询器标识。The querier identifier to be stored refers to the querier identifier of the new querier generated in response to the querier configuration request.
待存储的查询器入参模板,是配置的新的查询器的查询器入参模板。The querier input parameter template to be stored is the querier input parameter template of the configured new querier.
待存储的查询器出参模板,是配置的新的查询器的查询器出参模板。The querier output template to be stored is the querier output template of the configured new querier.
待存储的数据源配置数据,是配置的新的查询器的数据源配置数据。The data source configuration data to be stored is the data source configuration data of the configured new querier.
对于S1113,将所述待存储的查询器标识与所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据关联,得到查询器,将得到的查询器作为待存储的查询器。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.
对于S1114,将所述待存储的查询器对应的所述待存储的查询器标识、所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据存储到所述查询器配置库中。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.
在一个实施例中,上述获取风控接口配置请求的步骤之前,还包括:In one embodiment, before the above-mentioned step of acquiring the configuration request of the risk control interface, the method further includes:
S1121:获取风控规则添加请求;S1121: Obtain a request for adding a risk control rule;
S1122:根据所述风控规则添加请求,获取待存储的风控规则集标识和待存储的规则数据;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:根据所述待存储的风控规则集标识和所述待存储的规则数据,确定待存储的风控规则;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:将所述待存储的风控规则存储在所述风控规则配置库中。S1124: Store the to-be-stored risk control rule in the risk control rule configuration library.
本实施例实现了获取风控接口配置请求的步骤之前进行风控规则配置,为配置风控规则集提供了数据基础,简化了风控规则集的配置方法。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.
对于S1121,获取用户输入的风控规则添加请求。For S1121, a request for adding a risk control rule input by the user is obtained.
风控规则添加请求,是配置新的风控规则的请求。A request to add a risk control rule is a request to configure a new risk control rule.
对于S1122,根据所述风控规则添加请求,生成待存储的查询器标识,获取用户输入的待存储的规则数据。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.
待存储的规则数据,是配置的新的风控规则的规则数据。The rule data to be stored is the rule data of the configured new risk control rule.
对于S1123,将所述待存储的风控规则集标识和所述待存储的规则数据关联,得到风控规则,将得到的风控规则作为待存储的风控规则。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.
对于S1124,将所述待存储的风控规则对应的所述待存储的风控规则集标识和所述待存储的规则数据存储到所述风控规则配置库中。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.
在一个实施例中,上述采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据的步骤,包括: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:从所述目标流程集中获取所有的查询器,得到目标查询器集合;S31: Obtain all queryers from the target process set, and obtain a target queryer set;
S32:采用所述目标接口调用参数调用所述目标查询器集合中的所有查询器进行查询,得到多个查询结果;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:将同一查询器对应的查询器出参模板和所述查询结果进行赋值处理,得到目标数据源查询数据。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.
本实施例实现了调用目标流程集中的查询器进行数据查询,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率。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.
对于S31,从所述目标流程集中获取所有的查询器,将获取的查询器放入集合中,得到目标查询器集合。For S31, acquire all the queriers from the target process set, put the acquired queriers into the set, and obtain the target querier set.
对于S32,将所述目标接口调用参数输入所述目标查询器集合中的查询器,以实现对查询器的调用,每个查询器返回一个查询结果。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.
对于S33,将同一查询器对应的所述查询结果按查询器出参模板进行赋值处理,得到目标数据源查询数据。也就是说,目标数据源查询数据的格式与查询器出参模板相同。比如,采用查询器Q1对应的所述查询结果对查询器Q1对应的查询器出参模板进行赋值处理,{"code":
"0000","message": "处理成功","data":
{"name": "${name}","age":
"${age}","mobile": "${mobile}" }},将得到的name对应的查询结果赋值给Q1.name,
age对应的查询结果赋值给Q1.age,mobile对应的查询结果赋值给Q1.mobile,在此举例不做具体限定。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": "${mobile}" }}, assign the query result corresponding to the obtained name to Q1.name,
The query result corresponding to age is assigned to Q1.age, and the query result corresponding to mobile is assigned to Q1.mobile, which is not specifically limited in this example.
又比如,查询器出参模板为:{"code":
"0000","message": "处理成功","data":
{"name": "${name}", "age":
"${age}", "mobile": "${mobile}" }},查询器出参模板修改为:{"code":
"0000","message": "处理成功",
"name": "${name}", "age": "${age}",
"phone": "${mobile}" },结构和名称都修改,但是因为风控规则入参的入参配置根据查询器出参模板进行配置,phone和mobile对应的查询结果赋值给Q1.mobile这个是不改变的,所以代码和风控规则都不用修改,在此举例不做具体限定。For another example, the query output parameter template is: {"code":
"0000","message": "Processed successfully","data":
{"name": "${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.
在一个实施例中,上述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据的步骤,包括: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:根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果;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:对所述多条待组合的风控规则执行结果进行组合,得到所述目标风控决策数据。S52: Combine the execution results of the plurality of risk control rules to be combined to obtain the target risk control decision data.
本实施例按每条风控规则计算,然后对计算结果进行组合得到目标风控决策数据,实现了自动进行决策,简化了用户操作,提高了用户体验。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.
对于S51,采用所述目标数据源查询数据和所述目标风控规则集执行顺序数据对所述目标风控规则集集合中的每条风控规则进行计算,得到多条待组合的风控规则执行结果。也就是说,多条待组合的风控规则执行结果的具体数量与目标风控规则集集合中风控规则的数量相同。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.
对于S52,获取预设组合规则;根据所述预设组合规则对所述多条待组合的风控规则执行结果进行组合,得到所述目标风控决策数据。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.
比如,预设组合规则为所述多条待组合风控规则执行结果中只要有一个待组合风控规则执行结果是拒绝则风控决策数据为拒绝,风控接口为:accessRisk接口,accessRisk接口的规则集中包括5条风控规则,整合配置为:rejectTimes:1,5条待组合风控规则执行结果为:4条接受和1条拒绝,则目标风控决策数据为拒绝,在此举例不做具体限定。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.
在一个实施例中,上述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果的步骤,包括: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:根据所述目标风控规则集执行顺序数据依次从所述目标风控规则集集合中提取出风控规则集,得到多个待执行风控规则集;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:分别从每一个所述待执行风控规则集中获取风控规则,得到多个待执行风控规则;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:分别根据每一个所述待执行风控规则从所述目标数据源查询数据中获取数据源查询数据,得到多个待执行数据源查询数据;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:根据所述多个待执行数据源查询数据分别对每一条所述待执行风控规则进行风控规则计算,得到所述多条待组合的风控规则执行结果。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.
本实施例自动化实现了对每条风控规则计算,为风险决策提供了数据基础,简化了用户操作,提高了用户体验。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.
对于S511,根据所述目标风控规则集执行顺序数据依次从所述目标风控规则集集合中提取出风控规则集,将提取的风控规则集作为待执行风控规则集。通过根据所述目标风控规则集执行顺序数据依次提取,从而使提取的风控规则集符合所述目标风控规则集执行顺序数据的执行顺序,有利于快速进行风控规则计算。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.
对于S512,根据待执行风控规则集的提取顺序,分别从每一个所述待执行风控规则集中获取风控规则,将获取的风险规则作为待执行风控规则。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.
对于S513,根据待执行风控规则集的提取顺序和风控规则的提取顺序,分别根据每一个所述待执行风控规则从所述目标数据源查询数据中获取数据源查询数据,将获取的数据源查询数据作为待执行数据源查询数据。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.
对于S514,根据风控规则的提取顺序和数据源查询数据的获取顺序,根据所述多个待执行数据源查询数据分别对每一条所述待执行风控规则进行风控规则计算,得到风控规则执行结果,将得到的风控规则执行结果作为所述多条待组合的风控规则执行结果。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.
重复执行步骤S511至步骤S514直至所述目标风控规则集集合中所有的风控规则集的所有风控规则被执行完毕。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.
参照图2,本申请还提出了一种风控决策装置,所述装置包括:Referring to FIG. 2 , the present application also proposes a risk control decision-making device, which includes:
调用请求获取模块100,用于获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;
目标流程集确定模块200,用于根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;
目标数据源查询数据确定模块300,用于采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;
规则集集合和规则集执行顺序确定模块400,用于从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;
目标风控决策数据确定模块500,用于根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本实施例通过采用目标接口调用参数调用目标流程集中的查询器进行查询,得到目标数据源查询数据,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率;又因为目标接口调用参数是根据接口入参模板生成的参数,接口入参模板包括至少一个查询器入参模板,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用。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.
参照图3,本申请实施例中还提供一种计算机设备,该计算机设备可以是服务器,其内部结构可以如图3所示。该计算机设备包括通过系统总线连接的处理器、存储器、网络接口和数据库。其中,该计算机设计的处理器用于提供计算和控制能力。该计算机设备的存储器包括非易失性存储介质、内存储器。该非易失性存储介质存储有操作系统、计算机程序和数据库。该内存器为非易失性存储介质中的操作系统和计算机程序的运行提供环境。该计算机设备的数据库用于储存风控决策方法等数据。该计算机设备的网络接口用于与外部的终端通过网络连接通信。该计算机程序被处理器执行时以实现一种风控决策方法。所述风控决策方法,包括:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
本实施例通过采用目标接口调用参数调用目标流程集中的查询器进行查询,得到目标数据源查询数据,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率;又因为目标接口调用参数是根据接口入参模板生成的参数,接口入参模板包括至少一个查询器入参模板,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用。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.
本申请一实施例还提供一种计算机可读存储介质,其上存储有计算机程序,计算机程序被处理器执行时实现一种风控决策方法,包括步骤:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
上述执行的风控决策方法,通过采用目标接口调用参数调用目标流程集中的查询器进行查询,得到目标数据源查询数据,减少各数据源间不必要的关联,当一个数据源产生异常时,仅依赖其他数据源的查询器和风控规则也可以正常执行,极大提高风控决策方法的可用率;又因为目标接口调用参数是根据接口入参模板生成的参数,接口入参模板包括至少一个查询器入参模板,当数据源的数据结构发生变化时,只需修改对应的查询器入参模板,不需要对风控规则和风控规则引擎进行修改,有效降低了耦合关系,减少代码改动量,降低维护成本;查询器将数据源和风控规则解析分离,避免了风控决策过程强依赖数据获取接口的稳定性,避免了对同一数据获取接口的重复调用。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.
所述计算机可读存储介质可以是非易失性,也可以是易失性。The computer-readable storage medium may be non-volatile or volatile.
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程,是可以通过计算机程序来指令相关的硬件来完成,所述的计算机程序可存储于一非易失性计算机可读取存储介质中,该计算机程序在执行时,可包括如上述各方法的实施例的流程。其中,本申请所提供的和实施例中所使用的对存储器、存储、数据库或其它介质的任何引用,均可包括非易失性和/或易失性存储器。非易失性存储器可以包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限,RAM以多种形式可得,诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双速据率SDRAM(SSRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。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.
需要说明的是,在本文中,术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含,从而使得包括一系列要素的过程、装置、物品或者方法不仅包括那些要素,而且还包括没有明确列出的其他要素,或者是还包括为这种过程、装置、物品或者方法所固有的要素。在没有更多限制的情况下,由语句“包括一个……”限定的要素,并不排除在包括该要素的过程、装置、物品或者方法中还存在另外的相同要素。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.
以上所述仅为本申请的优选实施例,并非因此限制本申请的专利范围,凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换,或直接或间接运用在其他相关的技术领域,均同理包括在本申请的专利保护范围内。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 (20)
- 一种风控决策方法,其中,所述方法包括:A risk control decision-making method, wherein the method comprises:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
- 根据权利要求1所述的风控决策方法,其中,所述获取风控接口调用请求的步骤之前,包括: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:获取风控接口配置请求;Get the risk control interface configuration request;根据所述风控接口配置请求,获取查询器配置库和风控规则配置库,基于所述查询器配置库和所述风控规则配置库获取待存储的风控接口标识、流程集的配置结果、接口入参模板的配置结果和接口出参模板的配置结果,所述流程集的配置结果包括:至少一个查询器的调用配置结果、至少一个风控规则集的调用配置结果和一个风控规则集执行顺序数据的调用配置结果,所述接口入参模板的配置结果包括至少一个查询器入参模板的调用配置结果,所述接口出参模板的配置结果包括至少一个查询器出参模板的调用配置结果,所述风控规则集的配置结果包括至少一个风控规则的调用配置结果;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;根据所述待存储的风控接口标识、所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果,确定待存储的风控接口;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;将所述待存储的风控接口存储到所述风控接口配置库中。The to-be-stored wind control interface is stored in the wind control interface configuration library.
- 根据权利要求2所述的风控决策方法,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取查询器配置请求;Get querier configuration request;根据所述查询器配置请求,获取待存储的查询器标识、待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据;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;根据所述待存储的查询器标识、所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据,确定待存储的查询器;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;将所述待存储的查询器存储到所述查询器配置库中。The to-be-stored querier is stored in the querier configuration repository.
- 根据权利要求2所述的风控决策方法,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取风控规则添加请求;Get the request for adding risk control rules;根据所述风控规则添加请求,获取待存储的风控规则集标识和待存储的规则数据;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;根据所述待存储的风控规则集标识和所述待存储的规则数据,确定待存储的风控规则;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;将所述待存储的风控规则存储在所述风控规则配置库中。The to-be-stored risk control rules are stored in the risk control rule configuration library.
- 根据权利要求1所述的风控决策方法,其中,所述采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据的步骤,包括: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:从所述目标流程集中获取所有的查询器,得到目标查询器集合;Obtain all the queriers from the target process set to obtain the target querier set;采用所述目标接口调用参数调用所述目标查询器集合中的所有查询器进行查询,得到多个查询结果;Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;将同一查询器对应的查询器出参模板和所述查询结果进行赋值处理,得到目标数据源查询数据。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.
- 根据权利要求1所述的风控决策方法,其中,所述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据的步骤,包括: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:根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果;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;对所述多条待组合的风控规则执行结果进行组合,得到所述目标风控决策数据。The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.
- 根据权利要求6所述的风控决策方法,其中,所述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果的步骤,包括: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:根据所述目标风控规则集执行顺序数据依次从所述目标风控规则集集合中提取出风控规则集,得到多个待执行风控规则集;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;分别从每一个所述待执行风控规则集中获取风控规则,得到多个待执行风控规则;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;分别根据每一个所述待执行风控规则从所述目标数据源查询数据中获取数据源查询数据,得到多个待执行数据源查询数据;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;根据所述多个待执行数据源查询数据分别对每一条所述待执行风控规则进行风控规则计算,得到所述多条待组合的风控规则执行结果。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.
- 一种风控决策装置,其中,所述装置包括:A risk control decision-making device, wherein the device includes:调用请求获取模块,用于获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;目标流程集确定模块,用于根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;目标数据源查询数据确定模块,用于采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;规则集集合和规则集执行顺序确定模块,用于从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;目标风控决策数据确定模块,用于根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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 .
- 一种计算机设备,包括存储器和处理器,所述存储器存储有计算机程序,其中,所述处理器执行所述计算机程序时实现如下方法步骤: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:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
- 根据权利要求9所述的计算机设备,其中,所述获取风控接口调用请求的步骤之前,包括:The computer device according to claim 9, wherein before the step of acquiring the wind control interface calling request, the step comprises:获取风控接口配置请求;Get the risk control interface configuration request;根据所述风控接口配置请求,获取查询器配置库和风控规则配置库,基于所述查询器配置库和所述风控规则配置库获取待存储的风控接口标识、流程集的配置结果、接口入参模板的配置结果和接口出参模板的配置结果,所述流程集的配置结果包括:至少一个查询器的调用配置结果、至少一个风控规则集的调用配置结果和一个风控规则集执行顺序数据的调用配置结果,所述接口入参模板的配置结果包括至少一个查询器入参模板的调用配置结果,所述接口出参模板的配置结果包括至少一个查询器出参模板的调用配置结果,所述风控规则集的配置结果包括至少一个风控规则的调用配置结果;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;根据所述待存储的风控接口标识、所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果,确定待存储的风控接口;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;将所述待存储的风控接口存储到所述风控接口配置库中。The to-be-stored wind control interface is stored in the wind control interface configuration library.
- 根据权利要求10所述的计算机设备,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取查询器配置请求;Get querier configuration request;根据所述查询器配置请求,获取待存储的查询器标识、待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据;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;根据所述待存储的查询器标识、所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据,确定待存储的查询器;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;将所述待存储的查询器存储到所述查询器配置库中。The to-be-stored querier is stored in the querier configuration repository.
- 根据权利要求10所述的计算机设备,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取风控规则添加请求;Get the request for adding risk control rules;根据所述风控规则添加请求,获取待存储的风控规则集标识和待存储的规则数据;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;根据所述待存储的风控规则集标识和所述待存储的规则数据,确定待存储的风控规则;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;将所述待存储的风控规则存储在所述风控规则配置库中。The to-be-stored risk control rules are stored in the risk control rule configuration library.
- 根据权利要求9所述的计算机设备,其中,所述采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据的步骤,包括: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:从所述目标流程集中获取所有的查询器,得到目标查询器集合;Obtain all queriers from the target process set to obtain a target querier set;采用所述目标接口调用参数调用所述目标查询器集合中的所有查询器进行查询,得到多个查询结果;Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;将同一查询器对应的查询器出参模板和所述查询结果进行赋值处理,得到目标数据源查询数据。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.
- 根据权利要求9所述的计算机设备,其中,所述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据的步骤,包括: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:根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果;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;对所述多条待组合的风控规则执行结果进行组合,得到所述目标风控决策数据。The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.
- 一种计算机可读存储介质,其上存储有计算机程序,其中,所述计算机程序被处理器执行时实现如下方法步骤: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:获取风控接口调用请求,所述风控接口调用请求携带有待调用的风控接口标识和目标接口调用参数,所述目标接口调用参数是根据接口入参模板生成的参数,所述接口入参模板包括至少一个查询器入参模板;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;根据所述待调用的风控接口标识从风控接口配置库中获取流程集,得到目标流程集;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;采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据;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;从所述目标流程集中获取风控规则集和风控规则集执行顺序数据,得到目标风控规则集集合和目标风控规则集执行顺序数据;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;根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据。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.
- 根据权利要求15所述的计算机可读存储介质,其中,所述获取风控接口调用请求的步骤之前,包括:The computer-readable storage medium according to claim 15, wherein before the step of acquiring the risk control interface invocation request, the method comprises:获取风控接口配置请求;Get the risk control interface configuration request;根据所述风控接口配置请求,获取查询器配置库和风控规则配置库,基于所述查询器配置库和所述风控规则配置库获取待存储的风控接口标识、流程集的配置结果、接口入参模板的配置结果和接口出参模板的配置结果,所述流程集的配置结果包括:至少一个查询器的调用配置结果、至少一个风控规则集的调用配置结果和一个风控规则集执行顺序数据的调用配置结果,所述接口入参模板的配置结果包括至少一个查询器入参模板的调用配置结果,所述接口出参模板的配置结果包括至少一个查询器出参模板的调用配置结果,所述风控规则集的配置结果包括至少一个风控规则的调用配置结果;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;根据所述待存储的风控接口标识、所述流程集的配置结果、所述接口入参模板的配置结果和所述接口出参模板的配置结果,确定待存储的风控接口;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;将所述待存储的风控接口存储到所述风控接口配置库中。The to-be-stored wind control interface is stored in the wind control interface configuration library.
- 根据权利要求16所述的计算机可读存储介质,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取查询器配置请求;Get querier configuration request;根据所述查询器配置请求,获取待存储的查询器标识、待存储的查询器入参模板、待存储的查询器出参模板和待存储的数据源配置数据;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;根据所述待存储的查询器标识、所述待存储的查询器入参模板、所述待存储的查询器出参模板和所述待存储的数据源配置数据,确定待存储的查询器;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;将所述待存储的查询器存储到所述查询器配置库中。The to-be-stored querier is stored in the querier configuration repository.
- 根据权利要求16所述的计算机可读存储介质,其中,所述获取风控接口配置请求的步骤之前,还包括: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:获取风控规则添加请求;Get the request for adding risk control rules;根据所述风控规则添加请求,获取待存储的风控规则集标识和待存储的规则数据;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;根据所述待存储的风控规则集标识和所述待存储的规则数据,确定待存储的风控规则;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;将所述待存储的风控规则存储在所述风控规则配置库中。The to-be-stored risk control rules are stored in the risk control rule configuration library.
- 根据权利要求15所述的计算机可读存储介质,其中,所述采用所述目标接口调用参数调用所述目标流程集中的查询器进行查询,得到目标数据源查询数据的步骤,包括: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:从所述目标流程集中获取所有的查询器,得到目标查询器集合;Obtain all queriers from the target process set to obtain a target querier set;采用所述目标接口调用参数调用所述目标查询器集合中的所有查询器进行查询,得到多个查询结果;Using the target interface invocation parameters to call all the queryers in the target queryer set to perform query, and obtain multiple query results;将同一查询器对应的查询器出参模板和所述查询结果进行赋值处理,得到目标数据源查询数据。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.
- 根据权利要求15所述的计算机可读存储介质,其中,所述根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行风控规则计算,得到目标风控决策数据的步骤,包括: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:根据所述目标数据源查询数据、所述目标风控规则集集合和所述目标风控规则集执行顺序数据进行每条风控规则计算,得到多条待组合的风控规则执行结果;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;对所述多条待组合的风控规则执行结果进行组合,得到所述目标风控决策数据。The execution results of the plurality of wind control rules to be combined are combined to obtain the target risk control decision data.
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