CN111782696A - A method and device for processing credit data - Google Patents

Abstract

The present invention discloses a method and device for processing credit data. The method is applied to a credit system including preset decision parameters. The credit system and the risk control decision system communicate with each other. The transmission data sent by the risk control decision-making system; according to the transmission data, query or call preset risk control rules to match to obtain the corresponding return data; send the return data to the risk control decision-making system, the risk control decision-making system for generating a decision result according to the returned data. The method can store the credit information parameters previously used by the risk control decision-making system for the risk control decision in the cached data, so that the corresponding credit information parameters can be obtained by quick query through the cached data, which greatly improves the operation efficiency, and saves the cost. The decision parameters can be preset by storing multiple different users. When the decision procedure is modified, the decision parameters can also be modified in time, which greatly increases the flexibility and practicability of the operation.

Description

A method and device for processing credit data

technical field

The invention belongs to the technical field of computers, and in particular relates to a credit reporting data processing method and a credit reporting data processing device.

Background technique

Credit data, also known as credit information, refers to the records related to credit behaviors generated by enterprises and consumers in their social activities, as well as various information related to evaluating their credit value.

In the financial field, enterprises can analyze, evaluate and calculate credit information data, so as to analyze and adjust the management of enterprises or individuals according to the calculation results. At present, the common credit data processing method of enterprises is to use the risk control decision-making system to analyze, evaluate and calculate the credit data.

In the existing risk control decision-making system, it is often necessary to obtain credit data from a third-party platform. When the risk control rules are changed, it is necessary to add or delete credit data sources, and it is difficult for the system to change the credit data sources. Therefore, it is necessary to carry out secondary development, increase the cost, and when making rule judgments on risk control rules, the system needs to obtain all credit information data, and then make rule judgments. It can be judged that there is no need to query all credit information data, thereby reducing the efficiency of judgment, causing unnecessary consumption and reducing the use experience of enterprises.

SUMMARY OF THE INVENTION

The purpose of the present invention is to solve the technical problems of the low flexibility of use of the risk control decision-making system and the low efficiency of the judgment of the risk control rules, and to provide a method for processing credit data and a device for processing credit data.

In order to solve the above problems, the present invention is realized according to the following technical solutions:

The embodiment of the present invention discloses a method for processing credit information data, the method is applied to a credit information system including preset decision parameters, the credit information system and the risk control decision system communicate with each other, and the method includes:

obtaining the delivery data sent by the risk control decision-making system;

According to the transmission data, query or call the preset risk control rule matching to obtain the corresponding return data;

The returned data is sent to the risk control decision system, and the risk control decision system is configured to generate a decision result according to the returned data.

Optionally, the transfer data includes application data, and the credit reporting system includes a credit reporting aggregation unit;

The corresponding return data obtained by querying or calling the preset risk control rule matching according to the transmission data includes:

Query whether to store the cached data corresponding to the application data from the preset database;

If cached data corresponding to the application data is stored in the preset database, the cached data is used as return data.

Optionally, the transfer data further includes feature data, the credit reporting system further includes a credit reporting configuration strategy unit that communicates with the credit reporting aggregation unit, the credit reporting configuration policy unit includes preset decision parameters, the Methods also include:

If the cached data corresponding to the application data is not stored in the preset database, acquire and send characteristic data to the credit reporting configuration policy unit, and the credit reporting configuration policy unit is used to make a decision from the preset according to the characteristic data Determine target decision parameters in the parameters, and return the target decision parameters to the credit reporting aggregation unit;

The corresponding returned data is calculated according to the target decision parameter.

Optionally, the method further involves a data platform in communication with the credit reporting aggregation unit;

The calculation of the corresponding return data according to the target decision parameter includes:

calling a preset platform interface to send a data query request to the data platform, and the data platform is configured to return credit data to the credit aggregation unit according to the data query request;

Configuring the credit information data into a data set in a format corresponding to the target decision parameter;

Take the data set as the returned data.

The embodiment of the present invention also discloses a credit reporting data processing device, the device is applied to a credit reporting system including preset decision parameters, the credit reporting system communicates with the risk control decision-making system, and the device includes: an acquisition module, a decision result module, and a sending module of the credit reporting system;

an acquisition module for acquiring the transmission data sent by the risk control decision-making system;

The return data module is used to query or call the preset risk control rule matching to obtain the corresponding return data according to the transmitted data;

A sending module, configured to send the returned data to the risk control decision-making system.

Optionally, the transfer data includes application data, and the credit reporting system includes a credit reporting aggregation unit;

The returned data module includes:

a query module, configured to query whether the cached data corresponding to the application data is stored from the preset database;

The cache data module is configured to acquire corresponding return data according to the cache data if cache data corresponding to the application data is stored in the preset database.

Optionally, the transfer data further includes feature data, the credit reporting system further includes a credit reporting configuration strategy unit that communicates with the credit reporting aggregation unit, and the credit reporting configuration policy unit includes preset decision parameters for the device. Also includes:

A feature data module, configured to acquire and send feature data to the credit reporting configuration policy unit if the cached data corresponding to the application data is not stored in the preset database, and the credit reporting configuration policy unit is configured to use the credit reporting configuration policy unit according to the The feature data determines target decision parameters from preset decision parameters, and returns the target decision parameters to the credit reporting aggregation unit;

The matching module is used to calculate the corresponding returned data according to the target decision parameter.

Optionally, the method further involves a data platform in communication with the credit reporting aggregation unit;

The matching module includes:

a calling module, configured to call a preset platform interface to send a data query request to the data platform, and the data platform is configured to return credit data to the credit aggregation unit according to the data query request;

a configuration module, configured to configure the credit information data into a data set in a format corresponding to the target decision parameter;

A data collection module, configured to use the data collection as return data.

The embodiment of the present invention also discloses an electronic device, on which instructions are stored, and when executed by one or more processors, cause the processors to execute one or more of the above methods

The embodiment of the present invention also discloses a machine-readable storage medium device, which is characterized by comprising:

one or more processors; and

One or more machine-readable media having instructions stored thereon, when executed by the one or more processors, cause the apparatus to perform one or more of the methods described above.

Compared with the prior art, the beneficial effects of the present invention are: the method can store the credit information parameters previously used by the risk control decision-making system in the risk control decision-making in the cached data through a preset database, so that the cached data can be quickly used. The corresponding credit information parameters can be obtained by query, which greatly improves the operation efficiency and saves the cost. At the same time, multiple different user preset decision-making parameters can be stored. When the decision-making procedure is modified, the decision-making parameters can also be modified in time, which greatly increases the Flexibility and practicality of operation.

Description of drawings

The specific embodiments of the present invention will be described in further detail below in conjunction with the accompanying drawings, wherein:

1 is a flow chart of the steps of a method for processing credit information data of the present invention;

Fig. 2 is the connection schematic diagram of the credit reporting system of the present invention;

Fig. 3 is the operation flow chart of the processing method of a kind of credit data of the present invention;

FIG. 4 is a schematic structural diagram of an apparatus for processing credit information data according to the present invention.

Detailed ways

The preferred embodiments of the present invention will be described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present invention, but not to limit the present invention.

As shown in FIG. 1 , the present invention discloses a method for processing credit reporting data, which can be applied to a credit reporting system, and the credit reporting system communicates with a risk control decision-making system.

It should be noted that the credit reporting system can be used to store and record one or more data sources sent by the risk control decision-making system, and can also store, record or call the risk control rules, so that one or more data sources sent by the risk control decision-making system can be stored, recorded or called. Multiple data sources perform risk control decision calculations and store decision calculation results. The risk control decision-making system can communicate with multiple different servers, and different servers can store operational data or company data of different enterprises or institutions. The risk control decision-making system can be used to receive the operational data of different enterprises, as well as the decision rules or decision parameters or decision calculation results sent by the credit reporting system, and calculate the corresponding risk control decisions.

Specifically, the method includes:

Step 101: Acquire delivery data sent by the risk control decision-making system.

It should be noted that the transmission data may include the operation data of the enterprise, the credit data of the enterprise, the management data, or the corresponding identification and authentication data of the enterprise, identification data, etc., and may also include the acquisition request sent by the risk control decision-making system, or application requests, etc.

The credit reporting system and the risk control decision-making system may be wired through an interface or wirelessly connected through a network, and may be adjusted according to actual needs, which is not limited in this application.

In actual operation, when the risk control decision-making system receives operational data or company data sent by an external enterprise or institution, it can send the operational data or company data to the credit reporting system.

Step 102 , according to the transmission data, query or call preset risk control rule matching to obtain corresponding return data.

It should be noted that the returned data may be the credit reporting parameters required by the risk control decision-making system to make risk control decisions. The risk control decision-making system can perform risk control calculations based on the credit information parameters and the operational data sent by the enterprise or institution, and obtain the risk control result.

The credit reporting system can query the credit reporting parameters required for risk control decision-making from a preset server, and the credit reporting parameters can be the credit reporting parameters used by the risk control decision-making system in the last or previous risk control decision-making for the enterprise. parameter. The credit reporting parameters used by the risk control decision-making system in the past are stored in the credit reporting system, so that the previous credit reporting parameters can be reused, which can not only improve the work efficiency of the risk control decision-making system, but also eliminate the need for complicated and redundant queries every time the risk control decision-making system is made. , and can improve the flexibility of the risk control decision-making system.

The credit reporting system may also search from preset decision parameters to obtain corresponding credit reporting parameters. The preset decision parameters can be set by the user, and the quantity can also be set by the user. By storing the decision parameters in the credit reporting system and searching for the corresponding credit reporting parameters, even when the risk control decision system receives the new operation data of the enterprise, the corresponding risk control decision calculation can be performed without the need for secondary development of the risk control decision system. , which can improve the flexibility of the risk control decision-making system and reduce the development cost.

In one of the embodiments, the delivery data includes application data and feature data, and the credit reporting system includes a credit reporting aggregation unit and a credit reporting configuration policy unit.

Specifically, the application data may be operation data or enterprise data or management data of the enterprise, and the characteristic data may be interface data or address data or identification data.

The credit reporting aggregation unit can be connected and communicated with an external data platform, can call the credit reporting interface of the external data platform, or can save calling records in a preset database and cache credit reporting parameters.

The credit reference configuration strategy unit can be used to record the decision parameters required for the user's preset risk control decision, and store them in a preset database, and the user can adjust the different risk control decisions through the credit reference configuration strategy unit. decision parameters. The credit reference configuration strategy unit may include credit reference interface configuration and decision parameter configuration, wherein the credit reference interface configuration may include: interface address, interface parameter, and interface feature code; decision parameter configuration may include: decision parameter alias, credit parameter name , which belongs to the interface feature code.

Specifically, step 102 may include the following sub-steps:

Sub-step 1021, inquire from a preset database whether the cached data corresponding to the application data is stored.

The credit reporting aggregation unit may query cached data corresponding to the operation data of the enterprise from a preset database, where the cached data may be the credit reporting parameters sent when the risk control decision was made for the enterprise last time.

Sub-step 1022, if cached data corresponding to the application data is stored in the preset database, the cached data is used as return data.

The returned data may be the credit reporting parameters corresponding to the operation data of the enterprise, and the credit reporting parameters may be sent to the risk control decision-making system.

In actual operation, after the credit reporting aggregation unit reports the credit parameters to the risk control decision-making system, the credit reporting parameters can be stored in the cache of the preset database for the next use, so that the risk control decision-making system can be easily downloaded. One-time risk control decision operation.

Sub-step 1023, if the cached data corresponding to the application data is not stored in the preset database, then acquire and send characteristic data to the credit reporting configuration policy unit, which is used for according to the characteristic data Determine target decision parameters from preset decision parameters, and return the target decision parameters to the credit reporting aggregation unit.

When the credit reporting aggregation unit determines that there is no credit reporting parameter corresponding to the operation data of the enterprise in the preset database, it may indicate that the credit reporting aggregation unit has not previously made risk control decisions for the enterprise or the enterprise sends new operational data data. The credit reporting aggregation unit may query the credit reporting configuration strategy unit to obtain the decision parameters preset by the user, so as to meet the needs of this risk control decision.

Optionally, the credit reporting aggregation unit may send the feature data of the enterprise to the credit reporting configuration strategy unit, the feature data may include the interface data or address data or identification data of the enterprise, and the credit reporting configuration policy unit may, according to the feature data, The corresponding target decision parameters are searched from a plurality of preset decision parameters in the preset database, and sent to the credit reporting aggregation unit.

The credit information configuration strategy unit stores the decision parameters preset by the user. Even when the rules required by the risk control decision-making system need to be modified or the operational data sent by the enterprise needs to be changed, it is only necessary to modify the credit information configuration strategy unit to store the decision parameters. There is no need for additional secondary development, which can greatly reduce the development cost and improve the flexibility of operation.

In actual operation, the credit information configuration strategy unit may be connected to a third-party data platform, the feature data may be interface feature code data, and the interface feature code data may be used to specify an interface for calling a third-party data platform The credit information configuration strategy unit obtains decision parameter aliases, credit information parameter names, interface addresses, and parameters required by the risk control decision-making system to execute risk control decisions from a database preset by a third-party data platform through interface feature code data. target decision parameters. The third-party data platform sends target decision parameters such as decision parameter aliases, credit reporting parameter names, interface addresses, and parameters required by the risk control decision-making system to execute risk control decisions to the credit reporting configuration strategy unit.

The credit reporting configuration strategy unit then sends the target decision parameters to the credit reporting aggregation unit, and the credit reporting aggregation unit can call the interface of the third-party credit reporting platform through the target decision parameters to perform operations such as risk control calculations.

Sub-step 1024: Calculate the corresponding returned data according to the target decision parameter.

The credit information aggregation unit may use decision parameters to perform format conversion or matching calculation to obtain the credit information parameters required by the enterprise to make risk control decisions.

In another embodiment, the method further involves a data platform in communication with the credit reporting aggregation unit. For details, please refer to FIG. 2 .

The data platform may be a third-party data platform, and the credit information aggregation unit may set a corresponding external interface to connect externally with the data platform. The third-party data platform can be connected with the credit reporting aggregation unit and the credit reporting configuration strategy unit respectively, and the third-party data platform can collect multiple types of data and process the data by using technical means through various channels. A service provider that provides services to the outside world. Many types of data can include terminal usage time, loan records, court execution records, overdue records of online loans and other behavior records. Specifically, sub-step 1024 may include the following sub-steps:

Sub-step 10241, calling a preset platform interface to send a data query request to the data platform, and the data platform is configured to return credit data to the credit aggregation unit according to the data query request.

In this embodiment, the credit data can be various transaction data, financial data, and certification data of the enterprise, etc., such as the loan records of the enterprise, the court execution records, the overdue records of online loans, financial reports, credit codes, etc. Wait. The data query request may contain the identification of the enterprise.

In actual operation, the data platform can search for the corresponding credit data from the preset database according to the identification of the enterprise.

Sub-step 10242, configure the credit reporting data into a data set in a format corresponding to the target decision parameter.

In this embodiment, the format corresponding to the target decision parameter may be the decision parameter format required by the risk control decision system. Specifically, the decision parameter format is a set of key-value pairs, which may be composed of decision parameter aliases in the target decision parameter. The set of key-value pairs determines.

In practice, the credit information aggregation unit can map the names of multiple credit information data to decision parameter aliases to form a new set of key-value pairs.

Sub-step 10243, taking the data set as the returned data.

In this embodiment, the credit information aggregation unit may package the new key-value pair set after acquiring the new key-value pair set, and then send it to the risk control decision-making system.

Step 103: Send the returned data to the risk control decision system, where the risk control decision system is configured to generate a decision result according to the returned data.

In this embodiment, the returned data may be credit reporting parameters. After obtaining the credit reporting parameters, the credit reporting parameters can be sent to the risk control decision-making system, so that the risk control decision-making system can make a decision based on the credit reporting parameters and the operation data of the enterprise. The enterprise calculates the risk control decision, generates the decision result, and finally sends the decision result to the enterprise.

Specifically, the decision result may be sent to a server corresponding to the enterprise.

Referring to FIG. 3 , a flow chart of the operation of a method for processing credit information data of the present invention is shown.

In the specific implementation, when the risk control decision-making system receives the transmission data sent by the cooperative institution, for example, when receiving the enterprise's financing application or loan application, the risk control decision-making system can obtain the enterprise's application data and characteristic data, and convert the enterprise's application data And the feature data is sent to the credit reporting aggregation unit. The credit information aggregation unit can query from the preset database whether the cached data matching the application data is stored. If there is cached data matching the application data stored in the preset database, the cached data will be sent to the risk control decision-making system; if the preset database does not store cached data matching the application data, the credit reporting aggregation unit can send the feature data. Go to the credit reporting configuration policy unit. The credit information configuration strategy unit may search for corresponding target decision parameters in a plurality of decision parameters stored in the preset database, and the target decision parameters may be used to correspond to the operation data of the enterprise. Then, the credit reporting configuration policy unit may send the target decision parameters to the credit reporting aggregation unit. The credit information aggregation unit can query the external third-party data platform and obtain the credit data sent by the third-party data platform. Then, the credit information aggregation unit may use the decision parameter format of the credit information data according to the alias of the target decision parameter to generate a result set. Finally, the credit reporting aggregation unit can send the result set to the risk control decision-making system using the result set as the credit reporting parameter. The risk control decision-making system can use the credit information parameters and the operation data of the enterprise to make risk control decisions for the enterprise, and generate and send the decision results to the server of the enterprise.

In this embodiment, a method for processing credit data is proposed. The method can not only solve the problem of difficulty in development or operation caused by the change of risk control decision rules when enterprises make risk control decisions, but also can When credit inquiries become more and more frequent, the corresponding credit parameters can be obtained by quickly querying the cached data of the credit aggregation unit, which greatly improves the operation efficiency and saves costs. In addition, the credit configuration strategy unit is used to store multiple different users. The decision parameters are preset, and when the decision procedure is modified, the decision parameters can also be modified in time, which greatly increases the flexibility and practicability of the operation.

It should be noted that, for the sake of simple description, the method embodiments are expressed as a series of action combinations, but those skilled in the art should know that the embodiments of the present application are not limited by the described action sequence, because According to the embodiments of the present application, certain steps may be performed in other sequences or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions involved are not necessarily necessary for the embodiments of the present application

As shown in FIG. 4 , a processing device for credit reporting data is disclosed. The device is applied to a credit reporting system including preset decision parameters, the credit reporting system communicates with the risk control decision-making system, and the device includes: an acquisition module 401 located in the credit reporting system, a decision result module 402, sending module 403;

an acquisition module 401, configured to acquire the transmission data sent by the risk control decision-making system;

The return data module 402 is used for querying or calling preset risk control rule matching to obtain corresponding return data according to the transmission data;

The sending module 403 is configured to send the returned data to the risk control decision system.

Optionally, the transfer data includes application data, and the credit reporting system includes a credit reporting aggregation unit;

The returned data module includes:

a query module, configured to query whether the cached data corresponding to the application data is stored from the preset database;

The cache data module is configured to acquire corresponding return data according to the cache data if cache data corresponding to the application data is stored in the preset database.

Optionally, the transfer data further includes feature data, the credit reporting system further includes a credit reporting configuration strategy unit that communicates with the credit reporting aggregation unit, and the credit reporting configuration policy unit includes preset decision parameters for the device. Also includes:

A feature data module, configured to acquire and send feature data to the credit reporting configuration policy unit if the cached data corresponding to the application data is not stored in the preset database, and the credit reporting configuration policy unit is configured to use the credit reporting configuration policy unit according to the The feature data determines target decision parameters from preset decision parameters, and returns the target decision parameters to the credit reporting aggregation unit;

The matching module is used to calculate the corresponding returned data according to the target decision parameter.

Optionally, the method further involves a data platform in communication with the credit reporting aggregation unit;

The matching module includes:

a calling module, configured to call a preset platform interface to send a data query request to the data platform, and the data platform is configured to return credit data to the credit aggregation unit according to the data query request;

a configuration module, configured to configure the credit information data into a data set in a format corresponding to the target decision parameter;

A data collection module, configured to use the data collection as return data.

As for the apparatus embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for related parts.

The embodiment of the present application also provides an electronic device, including:

one or more processors; and

One or more machine-readable media having instructions stored thereon, when executed by the one or more processors, cause the apparatus to perform the methods described in the embodiments of the present application.

The embodiments of the present application also provide a machine-readable storage medium, on which instructions are stored, and when executed by one or more processors, cause the processors to execute the methods described in the embodiments of the present application.

The above are only preferred embodiments of the present invention, and do not limit the present invention in any form. Therefore, any modification, Equivalent changes and modifications still fall within the scope of the technical solutions of the present invention.

Claims (10)

1. A method for processing credit investigation data is applied to a credit investigation system containing preset decision parameters, wherein the credit investigation system is communicated with a wind control decision system, and the method comprises the following steps:

acquiring transmission data sent by the wind control decision system;

inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;

and sending the return data to the wind control decision system, wherein the wind control decision system is used for generating a decision result according to the return data.

2. The method of claim 1, wherein the transfer data comprises application data, and wherein the credit investigation system comprises a credit investigation aggregation unit;

the inquiring or calling of the preset wind control rule matching according to the transmitted data to obtain corresponding return data comprises the following steps:

inquiring whether cache data corresponding to the application data are stored from a preset database;

and if the cache data corresponding to the application data is stored in the preset database, taking the cache data as return data.

3. The method of claim 2, wherein the transfer data further comprises feature data, wherein the credit system further comprises a credit configuration policy unit in communication with the credit aggregation unit, wherein the credit configuration policy unit contains preset decision parameters, and wherein the method further comprises:

if the preset database does not store the cache data corresponding to the application data, acquiring and sending characteristic data to the credit investigation configuration strategy unit, wherein the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;

and calculating corresponding return data according to the target decision parameters.

4. The method of claim 3, further involving a data platform in communication with the credit aggregation unit;

the calculating corresponding return data according to the objective decision parameter includes:

calling a preset platform interface to send a data query request to the data platform, wherein the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;

configuring the credit investigation data into a data set in a format corresponding to the target decision parameter;

and taking the data set as return data.

5. The device for processing credit investigation data is applied to a credit investigation system containing preset decision parameters, and the credit investigation system is communicated with a wind control decision system, and the device comprises: the acquisition module, the decision result module and the sending module are positioned in the credit investigation system;

the acquisition module is used for acquiring the transmission data sent by the wind control decision system;

the return data module is used for inquiring or calling a preset wind control rule to match according to the transmitted data to obtain corresponding return data;

and the sending module is used for sending the return data to the wind control decision system.

6. The apparatus of claim 5, wherein the transfer data comprises application data, and wherein the credit investigation system comprises a credit investigation aggregation unit;

the return data module comprises:

the query module is used for querying whether cache data corresponding to the application data is stored or not from a preset database;

and the cache data module is used for acquiring corresponding return data according to the cache data if the cache data corresponding to the application data is stored in a preset database.

7. The apparatus of claim 6, wherein the transfer data further comprises feature data, wherein the credit system further comprises a credit configuration policy unit in communication with the credit aggregation unit, wherein the credit configuration policy unit contains preset decision parameters, and wherein the apparatus further comprises:

the characteristic data module is used for acquiring and sending characteristic data to the credit investigation configuration strategy unit if cache data corresponding to the application data is not stored in a preset database, and the credit investigation configuration strategy unit is used for determining a target decision parameter from preset decision parameters according to the characteristic data and returning the target decision parameter to the credit investigation aggregation unit;

and the matching module is used for calculating corresponding return data according to the target decision parameters.

8. The apparatus of claim 7, wherein the method further involves a data platform in communication with the credit aggregation unit;

the matching module comprises:

the calling module is used for calling a preset platform interface to send a data query request to the data platform, and the data platform is used for returning credit investigation data to the credit investigation aggregation unit according to the data query request;

the configuration module is used for configuring the credit investigation data into a data set with a format corresponding to the target decision parameter;

and the data set module is used for taking the data set as return data.

9. An electronic device having instructions stored thereon, which when executed by one or more processors, cause the processors to perform the method of one or more of claims 1-4.

10. A machine-readable storage medium device, comprising:

one or more processors; and

one or more machine-readable media having instructions stored thereon that, when executed by the one or more processors, cause the apparatus to perform the method of one or more of claims 1-4.

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